Repossession

Let someone else take over the payments. Sell the car and pay off the balance of the loan. Talk to the lender and see if you can get the monthly payments reduced. Get another part time job and make enough to pay off the loan. The worse thing you can do is allow the car to be repossessed. When you finance or lease a vehicle, your creditor holds important rights on the vehicle until you've made the last loan payment or fully paid off your lease obligation. These rights are established by the signed contract and by state law. If your payments are late or you default on your contract in any way, your creditor may have the right to repossess your car. Talking with Your Creditor

It is easier to try to prevent a vehicle repossession from taking place than to dispute it afterward. Contact your creditor when you realize you'll be late with a payment. Many creditors will work with you if they believe you'll be able to pay soon, even if slightly late. Sometimes you may be able to negotiate a delay in your payment or a revised schedule of payments. If you reach an agreement to modify your original contract, get it in writing to avoid questions later. Still, your creditor may refuse to accept late payments or make other changes in your contract and may demand that you return the car. By voluntarily agreeing to a repossession, you may reduce your creditor's expenses, which you would be responsible for paying. Remember that even if you return the car voluntarily, you're responsible for paying any deficiency on your credit or lease contract, and your creditor still may report the late payments and/or repossession on your credit report. Seizing the Car

In many states, your creditor has legal authority to seize your vehicle as soon as you default on your loan or lease. Because state laws differ, read your contract to find out what constitutes a "default." In most states, failing to make a payment on time or to meet your other contractual responsibilities are considered defaults. In some states, creditors are allowed on your property to seize your car without letting you know in advance. But creditors aren't usually allowed to "breach the peace" in connection with repossession. In some states, removing your car from a closed garage without your permission may constitute a breach of the peace. Creditors who breach the peace in seizing your car may have to pay you if they harm you or your property. A creditor usually can't keep or sell any personal property found inside. State laws also may require your creditor to use reasonable care to prevent others from removing your property from the repossessed car. If you find that your creditor can't account for articles left in your car, talk to an attorney about whether your state offers a right to compensation. Selling the Car

Once your creditor has repossessed your car, they may decide to sell it in either a public or private sale. In some states, your creditor must let you know what will happen to the car. For example, if a creditor chooses to sell the car at public auction, state law may require that the creditor tells you the date of the sale so that you can attend and participate in the bidding. If the vehicle is to be sold privately, you may have a right to know the date it will be sold. In either of these circumstances, you may be entitled to buy back the vehicle by paying the full amount you owe, plus any expenses connected with its repossession (such as storage and preparation for sale). In some states, the law allows you to reinstate your contract by paying the amount you owe, as well as repossession and related expenses (such as attorney fees). If you reclaim your car, you must make your payments on time and meet the terms of your reinstated or renegotiated contract to avoid another repossession. The creditor must sell a repossessed car in a "commercially reasonable manner" - according to standard custom in a particular business or an established market. The sale price might not be the highest possible price - or even what you may consider a good price. But a sale price far below fair market value may indicate that the sale was not commercially reasonable. Paying the Deficiency

A deficiency is any amount you still owe on your contract after your creditor sells the vehicle and applies the amount received to your unpaid obligation. For example, if you owe $2,500 on the car and your creditor sells the car for $1,500, the deficiency is $1,000 plus any other fees you owe under the contract, such as those related to the repossession and early termination of your lease or early payoff of your financing. In most states, a creditor who has followed the proper procedures for repossession and sale is allowed to sue you for a deficiency judgment to collect the remaining amount owed on your credit or lease contract. Depending on your state's law and other factors, if you are sued for a deficiency judgment, you should be notified of the date of the court hearing. This may be your only opportunity to present any legal defense. If your creditor breached the peace when seizing the vehicle or failed to sell the car in a commercially reasonable manner, you may have a legal defense against a deficiency judgment. An attorney will be able to tell you whether you have grounds to contest a deficiency judgment.

== == Two ways........You can pay to go to a school for a training course, at your expense, or you could try to get a job with a tracing company as a junior tracer. In either case, the job is BORING, repetitive and doesn't pay all that well. You have to be have a really thick skin, to be able to stand talking to losers all day on the phone, and being lied to by EVERYONE you talk to trying to find the debtor. A skip is a bum who has run out and away from their debts, and who is trying to hide so they can't be brought to court to be forced to pay up. They are NOT nice people.

Somewhere in between 80-90 billion dollars(not trillion)

no

She'll need to sign it over to you.

Most states have a law that requires that the title be sent within 3, 10 or 30 days of final payment being made. The law usually doesn't have much in the way of teeth, so you may need to remind the lending institution that the loan has been paid and that you want the title. After you have requested the title the lending institution may be in default and you may have recourse, depending again on your state and the laws that regulate title loans.

== == Look in the Atlanta Yellow Pages, under "repossession companies" and call a fwe to see if they will hire a un-trained and raw employee, with no experience. IF you can convince one to hire you, don't expect to make anything more than minimum wage for the first 3 to 6 months and forget about days off or not working at night and EVERY week end. Still interested?

First and foremost show up on the date of the hearing, without fail! Non appearance will only result in more serious charges and problems for a defendant. There is no way to determine how the judge would rule on the matter. In the majority of cases the defendant will be allowed to set up a payment schedule to repay the fines and court costs. This compromise often comes with restrictions, such as the defendant only being able to drive to and from their place of employment and/or for reasons of neccessity (doctor appointments, grocery shopping, etc.). The person license is usually not suspended as that would be counterproductive to any repayment agreement. An entirely different scenario and set of problems would probably arise if the person does not have a regular source of income. Many judges will work out a payment schedule.

Go to your local DMV and ask for a duplicate title.

Not necessarily. If you are current on your payments, you can keep your car as long as you don't have too much equity in it. The amount of property you can keep in bankruptcy depends on your state's exemption laws. http://www.bankonitsd.com/San_Diego_Bankruptcy_FAQ_7.html http://www.bankonitsd.com/Bankruptcy_FAQ_general_exemptions.html

No. A co-signer is a person who guarantees the loan and a co-buyer is a person who has equal ownership and liability. An example is when a young married couple wants to buy a car but does not have good or sufficient credit or enough collateral for the loan. They might get one of their parents to guarantee payment of the loan by becoming a co-signer. If the couple defaults on the loan, the co-signer becomes liable. In this same case, the couple as husband and wife, sign the loan (co-borrowers) and the purchase document for the car as co-buyers, sharing equally ownership and primary liability.

The only feasable way they could send the police after you is if you knew the car was going to be reposessed and you hid it. Even then, though, this is a contract issue, not a criminal one and the police wouldn't get involved. It sounds like what they're doing is making emtpy threats.

i was told that Arizona is a non deficiency state. that means when the bank loaned you money on your house they took the risk of values going down. so, if they agree to a short sale on your house and the loan is for 200,000 but you can only sell it for 180,000, the bank eats the difference not you. as long as you don't sign a note saying that you will repay the difference.

If you want to buy a car having an old one, you can buy a new updated version car also you can sell your old car. Because In the new car, we will get more facilities.

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you charge people who are caught polluting on public property. you clean up after yourself. you encourage others to clean up after themselves. you clean up after others.

I had this very same instance come up and the police were called. They told me that as long as the payments were being made and you have proof of you making the payments on time, the cosigner has to leg to stand on when trying to take the car. So NO your cosigner can not take the car.

Don't worry, they will find you. They always do. Hint! Make your payments on time and they won't be looking for your car.

I was wondering the same thing. I found a used, damaged non-airworthy cfm-56-3 for $99,000usd. I also found a used, airworthy, no hr. limit CFM-56-5 for $650,000usd. The CFM-56 engine family is very popular there were somthing on the order of 20,000 produced.

Check on the website

IF the title is in your name and you have some sort of proof on a DEFAULTED loan agreement, it is your car. Go get it.

thank you for just saying yes to let me know that all is not lost

yes

Contact the seller and tell them if you don't get a full refund, you'll be reporting them to both eBay and the police for fraud.

If the refund is not immediately forthcoming, then carry through on the threat.

Robert Joseph Lee