Repossession

Don't think so, but could after getting a civil judgment against you.

The Federal Government and the Provinces have Limitation Acts which provide a limit on the time an unsecured debt survives. The Alberta Limitations Act sets 2 years as the term. Under this legislation collection attempts must be attempted within either (i) two years after the person making the claim knew or ought to have known of the claim, or (ii) 10 years after the claim arose, whichever period first expires.

You need a judge to issue one.

You need to provide a judge with the information you are basing they need for a warrant (probable cause) and if the judge is satisfied with the information, he/she will issue the warrant.

No, it isn't legal for an employer to fire an employee who files BK or has wages garnished, home foreclosure, etc. If the employer does want to terminate the employee they will manage to find another reason even though the real issue is the person's financial situation.

If it's federal they can get your social security without even taking you to court. They would have to take you to court for a retirement account.

If it's private they would have to get a judgment.

In short form, if a payment is missed, the vehicle is up for repossession. The company who owns the note may repossess the vehicle themselves, or may hire an independant company to repo it. Once repossessed, the company who owns the lein has to send a notice of repossession letter to the debtor, giving the debtor 10 days to either pay the car off in full, or catch up on payments missed. This is at the sole discretion of the owner of the note. The lein holder has to hold the debtors personal property for 15 days, and may charge the debtor a fee to retrieve the property. If the car is not claimed in ten days, the lein holder may sell the vehicle to the highest bidder. If the amount received exceeds the amount owed on the vehicle, the lein holder must refund the excess amount to the debtor, if the amount received is less than the amount owed, the lein holder may sue the debtor for the rest of the amount. A modest repossession fee may be applied to the total owed.

Under the changes to the bankruptcy law, a debtor can refile his Chapter 13 case. You will have to provide the judge a good reason to allow it, (which really means something like a change in your financial situation so you can now do what you didn't)...not that you now understand want it more than before. Some judges flex a bit on this, but it is very situational.

If case #2 is filed within 12 months that case #1 was pending, then the automatic stay is not absolute. Instead, the automatic stay does go into effect, but it terminates in 30 days unless the debtor files a motion with the court and convinces the judge to extend the stay. If the judge does not extend the stay, then it would come to an end in 30 days and the creditors/mortgage company would be free to re-start foreclosure/collection proceedings.

It is possible, but only by accident. If the real felon is captured, the innocent is released and the convict takes his place. It is illegal to serve a prison sentence for someone else. It is also illegal to take the place of a person in criminal or civil court under their name, but they are allowed to attend the hearing.

Under the bankruptcy laws effective on October 17, 2005, Chapter 7 cannot be filed unless the debtor was discharged from the previous Chapter 7 or bankruptcy more than eight years ago. The debtor cannot file a Chapter 13 unless: (1) the debtor received a discharge under Chapter 7, 11 or 12 more than four years ago; or (2) the debtor received a discharge under Chapter 13 more than two years ago.

No. If a creditor other than the federal government tries to garnish your Social Security benefits, inform them that such an action violates Section 207 of the Social Security Act (42 U.S.C. 407).

It is possible to go to the Register Of Deeds office at your county court house. Take along a tax bill or something else with the legal description of your property. Someone there will help but be prepared to spend several hours. Another more costly way would be to have a local title company run a search for you. You could find one in the YP or any search engine.

Depending upon where you live, the city Town Hall assessor's office is a good place to start. Now in New England most assessor's offices are on line and you can find the liens placed on a piece of real property in the town's database system. You can always check through the recording books to double check. A good real estate attorney always has someone in their office doing this for a small fee if you do not want to do it yourself.

Laws governing this issue are made by the states. Whether or not a person can be charged with a criminal act (misdemeanor in most cases) depends on the applicable state statutes. Usually the person who committed the offense is given the opportunity to make restitution to the involved party.

yes...they just can't break into a gated driveway or garage...and if they come -JUMP IN YOUR CAR!!!!!!!!!! they are legally not allowed to touch you. If they do you can sue!!!! its called breach of peace...they cannot take your car violently...hope this helps...just pay your bill..i just got repo'd and it sucks BAD.... :( i just wish i knew about the breach of peach law before!!! i would have been hanging on to my car for dear life!!!!!

To the best of my knowledge there is no limit. This is their way of robbing people and unfortunatly the city usually just wants the car MOVED so they don't crack down on the fees the companies that move the cars charge. The finance company that has it repo'd pays them to tow it and allowing them to rob you keeps their costs down they have to pay the tow company also.

in the state of Virginia-each jurisdiction has a towing board made up of tow company owners and public officials that regulate what towing companies can charge for towing/impounding/storage/accident recovery/etc. and also how far your car can be taken when impounded or towed. you should check with your local police or sheriff office to see if the repo company falls under their jurisdiction as far as storage costs go when repossession is involved

Depends on the state the vehicle was picked up. To the best of my knowledge most states do not regulate this. One of the reasons for high storage rates by the recovery agency is many finance companies are asking for free storage unless the debtor redeems the vehicle. The repossessor can't afford to pay for his lot or garage without collecting storage from someone. Plus there is the additional burden of insurance while the vehicle is being stored. The average deductible for repo insurance is $1000.00 to $1500.00. for each claim. You also have the costs for security and lot attendants who not only release the vehicle but must do all the paperwork for the finance companies.

I know you don't like to hear this but the fact is many agencies are now losing money when it comes to total cost of storing the vehicles. This could all be resolved if the finance companies would quit placing the burden on the recovery agency and added all to the original repossession fee. In their attempts to hold down their own costs they are forcing the recovery company to sign unfair contracts in the first place. Strange as it may seem almost every major lender has almost the same contract and the recovery eithers signs this or has no work.

Items on your credit history remain only with you. They do not get copied to your wife's credit history after you get married. The only items that appear on both your credit histories is if you have a joint account with both your names on the account.

I would get the advice of a lawyer on how best to proceed. You may have certain rights or obligations depending on whose name was on what papers.

I am an attorney who concentrates her practice in bankruptcy. No, your spouse is not required to tell you that he or she has filed bankruptcy. However, if you are anticipating dissolution of marriage or there are other special circumstances, the court may find fraud if your spouse disposes of assets or relieves himself or herself of debt. It varies from state to state. However, there is no requirement that a spouse tell the other of a bankruptcy. Bankruptcy is a matter of public record though and you can look up whether people have filed or not by going to the PACER website.

For Chapter 7 in Illinois, eligibility for filing bankruptcy requires that one must not be able to pay at least $6,000 over the next five years ($100 per month) to unsecured creditors after expenses. But if one can pay at least $10,000 over five years ($166.67 per month or more), Chapter 7 will likely be denied.

If one can pay $6,000 but less than $10,000 over five years, then a mathematical calculation determines whether Chapter 7 will likely be successful or not. If one can afford to pay 25% or more of the unsecured debt, then a Chapter 7 will likely be denied. If one can't afford to pay 25% of the unsecured debt, Chapter 7 filing will likely be successful.

For Chapter 13, individuals who are self employed or sole proprietorships must have unsecured debts that are less than $307,675 and secured debts less than $922,975.

It is always illegal to be sexual with a minor, even if it is mutually consentual sex because a minor does not have the legal capacity to make a good decision about the appropriateness of sexual behavior nor the very serious implications of getting pregnant and have a baby to care for -- If the 22 year old really cares for the 16 year old he will wait until she is an adult otherwise he will be commiting statutory rape and will spend many years in prison and be listed for life as a sex offender. -- the guys in prison hate child abusers becasue most of them have themselves been abused so you would run the high risk of being raped and then murdered in prison before you ever got out. -- not such a sweet deal for 15 minutes with a minor huh -- '

Probably. I don't know your state of residency or whether you would be filing Federal or state BK. Some states only allow one or the other, some let you combine them. In a Federal filing the vehicle exemption is $2,775. If it is your only car, that amount is subject to appeal. Your state of residency vehicle exemption is probably a different amount. If you want to email me with your state, I could let you know what it would be.

before making a decsion ask them why and if they tell you try to understande their promlem if its reasonable if not don't ever talk to them

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ well i think that you should make ABSOLUTE SURE that she/he has taken it. If soo you should say! You should be nice (if you still want to be friends) and not make it look like you are accusing them and just as if you've been asking round! If she/he is denying it say what she/he was doing at that time ask them what they were doing at the time you suspected they must of took your thing! If they come up with something silly then you should probablly just come out with it! Just say something like 'Look, I Know you took it,, I am not mad (even if you are:@) I just want my *stuff* back! Can I have it back please:/ And that is all i can really say to you!=D I hope this has helped you xx

Yes, if you deliberately fail to enter a debt on the bankruptcy schedule the BK can be dismissed with prejudice. When petitioning for your own bankruptcy you should disclose all of your debts. However, certain debts such as fines and Student Loans cannot be included in the bankruptcy.

Until such time as all debts incurred for the purchase of the car are paid off

Warrants are a matter of public record and police departments and other law enforcement agencies generally post them on their website and/or in some cases newspapers print a list of persons who have active warrants. The information can also be found through online court records but the interested party would probably need to know the court, the date and the docket number where the warrant was issued. The best place to start would be to do a search of the county police department website where it is believed the warrant may have been issued. Added: To my knowledge, there are no publicly accessible websites or databases that reveal this information. Simplest and easiest way is to call your local law enforcement agency and simply ask.

Yes, when (1) a warrant commanding that the person be arrested, (2) any crime is being committed in his presence, (3) he has probable cause to believe that an offense was committed and committed by person to be arrested.

Failure to obey posted signs such as "no u-turn" or "no right on red"