Repossession

Depends on the contract you signed and the state that you live in. Some states require a 15 or 20 day Right to Cure letter be sent to the debtor prior to repossession and some states allow the vehicle to be repossessed the day after you miss your payment.

You cannot just "give" the vehicle back to them. If you cannot continue paying for the vehicle they will continue to threaten you trying to get their money back from you. When they see that it is hopeless they will repossess the vehicle and auction it off. I haven't read your contract, but probably you will be liable for the difference in what they get for the car and what was owed on it, which can be a substantial amount. If they cannot get you to pay this amount they will probably take you to court and get a judgment for the amount plus attorney fees and court costs. If you can't pay this they will garnish your wages, freeze your checking accounts, savings accounts, and generally tie up any monies they find out that you have. It can turn into a messy situation. I would suggest that you read up on consumer protection laws in your state and the federal statutes. This will tell you how they have to deal with you and what you can do to protect yourself.

I have file for Chapter 7 twice and it has had no effect on my car insurance.

You might talk to a lawyer and settle it in small claims court.

Only if you intend to get it back.

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Probably. Contact your lender while the loan payments are still current, and they'll be much friendlier and more cooperative. Don't wait until you're behind. Remember, they don't want to take your car, they want their money. Probably. Contact your lender while the loan payments are still current, and they'll be much friendlier and more cooperative. Don't wait until you're behind. Remember, they don't want to take your car, they want their money.

Depends on your bank and what the history is with the loan. They have the option to make you pay the entire amount of the loan. They can also allow you to just bring the loan current along with any other fees to get it back.

Is your gate locked. Why not take care of this. If you are behind on the payments and don't correct this, they will eventually get the car. Call the lender and work something out. I can assure you the lender does not want to repo the car. They would much rather work this out with you. They just want the money back they loaned you to purchase the car. Let this car be repoed and your credit will be ruined for 7 years, and you will still have to pay the difference in what the lender sells the car for and the balance on the note, plus repo fees. A bad deal for the bank and for you. Sit down with them and work something out.

A creditor would have no authority regarding a tax refund. But they can file suit and if they win, receive a writ of judgment. They could then use the judgment as a wage garnishment according to the laws of the state where the debtor lives. Texas, South Carolina, North Carolina and Pennsylvania do not allow wage garnishment by creditors. All other states have established their own garnishment statutes, most follow the federal wage garnishment guidelines.

And that is three more screws than are necessary to consider it "attached". In fact, if it were just laying on the floorboard with wires to the stereo and speakers it would be attached.

NO! He is only guaranteeing the loan. He has no legal right to take the car.

yes, as co-signer you only guarantee the loan in case the primary defaults, they own the car.

Im not familiar with Colorado but in most states or at least in the states that I am aware of ,if you owe a balance yes they can garnish your wages to fulfill the obligation.

Your e-brake is probably on.

The best thing you can do is put a little time between when the collection agency first contacted you and when you plan to pay. Don't do anything fast. Slow it down. They will get tired of calling and be willing to settle after 30 to 60 days have passed.

Yes. It's better to just stop and talk with the guy. He obvioulsy knows where you go, no sense in trying to hide. Well gollee Maam, if he knows where you are to follow you, he can get in contact with you.

ABSOLUTLY! As long as you hold the title and a detailed bill of sale the car still belongs to you until the transaction is finished. When you get the car home (NO VIOLENCE

Yes because the turn in on the lease will damage your credit and affect the loan rate on your car loan

yes, unless the co-signer claims bankruptcy

If you are currently in Chapter 13 and you HAVE NOT signed a relief of stay, they cannot repo vehicle. If you signed a relief of stay for that vehicle loan, then get your stuff out and leave the keys in the ashtray.

It is sooo SIMPLE, you CONTACT the LENDER for further instructions.

You have the right to call/visit your B/K attorney and have s/he explain your rights as you've paid them to do. Who knows your case and state laws better??? Say I can't afford an attorney (which I can't). Now what? Then you cant afford to file B/K, but if you do file pro se, you better do your homework. The failure rate for pro se B.K is rather HIGH due to mistakes and lack of knowledge. Unfortunately, this is NOT the place to find that info. Search on "Bankruptcy" for better results. Check the links to the right too.

It' all comes down to your insurance company paying for everything and if there is a lawsuit then you have to pay everyone involved back any monies paid to you.Ask me I know I just finish paying all the dr's and insurance companies and a Lawyer. I ended up with squat.