Repossession

No! that is a civil matter and the police can not enforce civil law, you must settle it in a court. The police, however, can stand by to keep the peace if the other party is willing to let you remove the property.

The company who repossessed the car now has the collateral to make up for the amount of the balance of the loan owed to them. If there is more owed on the loan than the car is worth, it is possible to be sued for the deficiency. If a judgment is entered after this occurs, and that amount is not paid or settled voluntarily, the lender could seek to garnish a bank account or a person's wages or file a lien against real property. If the motorcycle has a loan on it, it is already encumbered and not subject to a separate lien.

This depends on the law of contributory negligence in your state. If you live in a contributory negligence state, you are at fault for leaving the door in the path of the bus. If not in a contributory negligence state, fault is apportioned at trial. I am a retired attorney. I would suggest you contact your insurance company for the necessary information.

Yes. The state of Tennessee recognizes handgun permits from any state.

26,000 lbs. is what the manufacturer rates it at. So long as you do not let that vehicle get over a gross weight of 26,000 lbs, you do not need a CDL to operate it.

The only times you are required to have a CDL for a vehicle under 26,000 lbs. is when it's carrying a sufficient quantity of hazardous materials that placards must be displayed, or if it's designed to carry more than 15 persons (including the driver).

If you're attaching a trailer to this 26,000 lb. truck, then you are creating a combination which is rated at over 26,000 lbs. GVWR, and will need a CDL with air brake allowance - Class B is the trailer or vehicle in tow is rated under 10,000 lbs, Class A if the trailer or vehicle in tow is rated over 10,000 lbs.

The law allows only one garnishment procedure at a time, they are taken in priority; for example a wage garnishment for child support would supercede a garnishment for credit card debt. The maximum for creditor debt in N.Y. is 10% of gross income (income before any deductions). The maximum for child support is 25% of disposable income (income left after state and federal taxes, social security, medicare, pension, etc.) When pertaining to garnishment by creditor lawsuits the law allows the state percentage to be used if it is lower than the federal amount. Pursuant to federal law, the first $154.50 of weekly income is exempt from garnishment.

It is 2014. There is no such thing as not being found by the repo man. We spend $5k to $8k a year to find people who can't seem to do the right thing, like giving back something that does not belong to them. I have seen an R.O. run for over 7 years but the old repo saying goes you can run but not hide. In that amount of time if you can't pay for your car you're going to get kicked out of your house, which we can check though your county court office; this is checked on all runners at least two times a week. This is just the smallest thing that takes place in a recovery company's office. Just remember the car you call your own never is yours until the company signs the title over to you and until that happens your car is being looked for. People in the old days took back items that they could not afford; today people just steal it and think it's all good cause they paid a little down.

I only received one plate in the mail and have been driving that way (in Los Angeles) for 4 years. However a policeman stopped me yesterday and said I must have both front and back plates.

You can't easily. Although the DMV files are public records, you must be able to correlate a license plate number or some other identifiable piece of information about the vehicle in question in order to get any information in return.

If your house is being foreclosed on, you need to file a chapter 13, with a plan for paying the secured debt arrears, including the mortgage(s) and have the income left over every month to pay the plan (and the trustee's percentage).

nope they dont, but dont worry, in at least a year the bank will send you a letter telling you they sold your car at auction and you still owe them alot of money

Not by a judgment creditor. They are subject to garnishment for child support, federal tax arrearages and in some cases spousal maintenance (alimony).

You can receive federal aid if child support is in arrears.

T

A "co-SIGNER" generally relates ONLY to the loan papers. Being a co-signer on the loan does not signify any ownership of the vehicle. If you are on the title of the car as the co-OWNER, THEN either you or the other co-owner should be able to register the car.

no It depends. Is the cosigner on the title as co-owner? If so, they can take the car whenever they want.If they aren't, well, it's just plain car theft if they do. In other words if you are both on the title and the loan paperwork then both your butts are on the line financially and it's a civial matter if one of you wants the car over the other. But both of you have legal right of access so the police will not make an arrest or intervene if both parties can prove ownership.

If impound was caused by your vehicle parked illegally, then the impound lot or the towing company could be held responsible. If it was impounded because it was retrieved as a stolen vehicle, then no one can be held responsible. However, in both cases, the personal belongings in the vehicle can be covered by either your own auto insurance under the Comprehensive portion of your policy or by your own homeowners/renters insurance under the Personal Property portion of your policy. They are subject to your deductible/s.

In short, No.

A "cram down" is special provision found in the US Bankruptcy code §1325(a)(5)(B)(ii) to modify a secured loan in a Chapter 13 plan even over the creditor's objection. Since there is no pay back plan in a Chapter 7 there is no way to "cram down" a loan with a chapter 7 bankruptcy. However, not all is lost.

A chapter 7 wipes out all contracts but it does not wipe out security interests. What this means is that when you have a car loan and you file a chapter 7 you no longer owe any money to the creditor but the creditor still has the right to repossess the vehicle.

If you'd like to keep the vehicle then you'll have to enter into a new contract with the creditor. This is called a "reaffirmation agreement" because you are reaffirming the debt. It is possible that the creditor could offer you a better rate or a lower principal than you had before based on the value of the vehicle. However, usually they offer the same terms that you had before. You can always negotiate for better terms but the creditor does not have to agree.

If you do not sign a reaffirmation agreement within 45 days of the 341 meeting (the 341 meeting usually takes place a month after filing) then the "automatic stay" is terminated and the creditor may repossess the vehicle.

Another trick is to file a chapter 7, which will buy you some time and then convert to a chapter 13 to cramdown the loan. But the cramdown only works if the note matures within the life of the bankruptcy. So if you have a 6 year note then the cramdown would not be available to you.

Goodluck.

People search sites like Jigsaw.com and ZoomInfo.com can help you find current and former places of employment for some people.

In New Mexico the statute of limitations for an open ended account is set at 4 years. A credit card is an open ended account. That will be measured from the last communications from the debtor. The credit card may be based on a different jurisdiction which could be longer! You need to check your agreement for the applicable jurisdiction.

YEP!

The only time wages can be have garnishments running concurrently is if one of the garnishments is for court ordered child support or spousal maintenance. Although in certain situations judges can allow separate creditors to garnish dual incomes, but not a dual garnishment by the same creditor.

The statute of limitations is the amount of time given for the prosecutor or an individual to press charges in a criminal or civil case. There is no statute of limitations in the state of Virginia for Grand Larceny if the crime committed is considered a felony.

It varies from jurisdiction to jurisdiction, but normally (a) you need a court order, and (b) you need to establish a risk that the personal representatives will dissipate the assets without paying what is owed to you.