Repossession

YOu can file charges of aggravated harrassment. This happened to me. I was eing stalked by a former boyfriend. He would not leave me alone! He called me about 50 times a day at work and showed up outside my job building after I'd get off work. So I filed harassment and stalking charges against him. He was arrested for about 2 weeks. Then when he came out of jail, he made up a story that I was the one harassing him! This was done to get me to drop my charges against him. But I did not. His plan did not work. The only thing that happened was that then, I got arrested! I was only held in the central booking building for 10 hours before I was released. Then I had to spend $3,500 dollars in lawyer fees to get the case dismissed because the court wanted to charge me with a vilolation! Alot of help the police was right? On the bright side, I had evidence that it was him who was excessively calling me. The detectives looked at my job phone records and saw all the calls had been coming in from "the stalker" He again was rearrested and remains in jail to this day. That happened last April. He now faces 1 1/2-3 years for stalking and harassing me.

In my case, the police intervention didn't really help me. It took $3500.00, one wrongful arrest and 10 hours of me sitting in jail plus 4 days I had to take off work. Too expensive.

I'm buying a car

I'll get it tomar

as best as i can tell

it's supposed to be red

according to Fred

and I'm driving it straight to hell----o, how are you today?

Simple ... pay the amount due that was owed before the lien was placed. Of course, when (or if) you ever sell the house that has a lien against it, the lien will be paid first out of any profits before you are paid. If the home sale doesn't yield enough cash to satisfy the lien, they you are then bound by law to make up the difference.

Just pay off the lien as soon as you can ... get a second and/or third job if necessary and retire that odd amount you owe - then you can live in better comfort knowing that there isn't that lead cloud over your heads all the time.

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.