Repossession

You can find a qualified title examiner by contacting a title abstract company or real estate law firm in your area.

http://www.pacode.com/secure/search.asp search the PA code vol. will make no difference

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If you buy a car from a dealership you must be 19 so you can sign by yourself. Legal age to sign is 19. That might not go for some others like personal sellers or trades and etc.
If you are asking minimum age for buying a car, it doesn't matter. Cars are property just like a stick of gum is. If you have the cash, then it can be yours. Legal age for driving it, however, is different.

Arizona does NOT have a "cooling off" period or three-day right to cancel a car sale. This answer was found at http://www.azag.gov/consumer/cars.html ARIZONA'S LEMON LAW New Car The Arizona Lemon Law has a number of specific provisions. You should read the law or consult with an attorney if your new car is a lemon. Here are the basics. The period covered by the Lemon Law is the term of the manufacturer's warranty or two years or 24,000 miles, whichever is earlier. This covered period begins on the date of delivery of the vehicle to the consumer. If there is a problem with the car that substantially impairs the use and value of the car and does not conform to the express warranty of the manufacturer, the consumer should report it to the manufacturer. The report must be made during the covered period. The manufacturer or its authorized dealers can repair or correct the defect, accept return of the car or replace the car with a new car. There is a limit on the number of times a consumer must allow the manufacturer to repair the car and the amount of time the car can be out of service. If during the covered period, the manufacturer fails to successfully repair the defect after four attempts, or the car is out of service by reason of repair for a cumulative total of 30 or more calendar days, the manufacturer must accept return of the car or replace the car with a new car. Used Car Your car is covered by the Arizona Used Car Lemon Law if a major component of your car breaks before the earlier of 15 days or 500 miles after you buy the car. If it breaks, you'll still have to pay up to $25 for the first two repairs. The recovery for the consumer is the purchase amount paid for the car.

Only if you have written permission from the lienholder.

A debt that has not been paid, regardless of the type of debt, is not good for your credit rating nor report. You want to save all that you can, and settle for 30% or less with this lender or collection agency. Make sure you get the settlement agreement in writing before making a payment. Once you make that payment ask for another letter stating that that account was "Settled in Full" even though it was settled for less. This will need to be updated with all three burueas. Wanda Improve Credit, LLC

check into a "Insurance Bond" this is a Insurance issued from a Bond Company that insures the Title and ownership. You bring a letter with you that you write explaining why you have no title, the bond is issued, and cost of bond is determined by the price you paid for the car, last time I had to do this, it was something like 5% of the price paid for the car. you take the bond to the DMV, Department of Motor Vehicles, and you should get a new title. Secondly, in most states the dealer is required to send title within a 30 day period, if this does not happen for whatever reason, the DMV usually gives you a new Temp tag extending your temporary expiration limit. You can call the Dealer Licensing Board with your predicament as well for suggestions. But in the End a Insurance Bond may be the only option

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Yes unless your insurance covers it.

One of the key factors that can change the market and fair value of fixed rate notes and bonds is an increase or decrease in market interest rates. Even though a bond has a fixed rate, it's value is dependent on current yields in the market and the value of the bond will move inversely to interest rate changes.

It all depends on your finance company. They could have a warrant issued against you for Grand Theft; and you certainly don't want that to happen. It's not worth keeping the car. You'll have a felony if you're convicted.

However, if you truly attempting to clean up your credit; and you have a company such consumer credit counseling they might be able to incorporate all your past due payments and future payments into one monthly bill along with your other creditors.

If you don't have the money to meet the monthly plan they've established you possible could be dropped from the program. You have to make current payments every month, simply because they have bargained with your creditor probably at lower monthly payment and interest rate.

Last, if you find that you simply can't balance bankruptcy is an option. However, if you plan to repay all your creditors back then you will need to file a chapter 13; but once again you have one monthly payment for all your creditors and you have to make your monthly payments or the trustee over your bankruptcy case will file a motion to dismiss the case; and you'll find yourself no longer protected by the bankruptcy court who issued what is called a "stay". This stay keeps anyone from taking your belongings without the courts permission. But you must make your monthly payments the court have instructed you to pay. Therefore, any past due payments you owe will be placed in your bankruptcy plan and your car payment at a much lower rate will be paid through the bankruptcy court. Next, you also are required to obtain and maintain full coverage auto insurance on the car, otherwise the trustee could request and possible be granted to release the stay on car; and then the finance company is free to repo the car. The finance company could also file a law suit against you; and the sheriff serve you; and if you lose the judge could order you to turn the car over that day, if warranted or the other side pushed to have it picked up.

However, if you file a chapter 7, you have a temporary stay on your car until the judges enters an order. Afterwards, you either have to turn the car in the creditor or work something out with the creditor. I would suggest to speak with someone who is authorize and who possible grant your request. Ask, can you put your past due payments at the end of your payoff and you begin making current monthly payments. The finance company might agree or disagree. Banks are more open to this. Once again they probably will require you have full coverage on the car. You really need to check the blue book to ensure the amount of coverage truly needed to at least cover the blue book value otherwise you could end up paying the difference if you don't have gap insurance.

Now, filing bankruptcy isn't always the answer; but if you have large amounts of debt, perhaps that's something you will need to discuss with an attorney. Afterall, a bankruptcy remains on your credit from what I hear between 7 to 10 years. However, companies will see that you've taken steps to correct several issues; and that you'll make better credit choices by limiting your spending or living above your means.

Just wanted to give my opinion.

There is no set time when a lender may instigate repossession action. If the contract is defaulted on for even a day, in most states the lender can seize the vehicle, although it is not usually in their best interest to do so.

You're not considered a legal adult in the eyes of the law until age 18, generally speaking. As such, you cannot enter into a binding contract as a juvenile. It has been done, however, by unwise merchants. They find the hard way -- usually in small claims court -- that any contract a juvenile signs isn't considered legally binding.

If you verbally agreed to have the materials purchased, then you are responsible for their cost. If you do not accept them, then the contractor must make reasonable efforts to sell them, and you will be liable for any deficiency. This deficiency may be claimed as a lien against your property. See the legal doctrine of quantum meruit for more details.

YOU cannot dismiss your own case. A dismissal can only be granted by a judge. You must pay your attorney for any work that he does on your case.

Sure

Mike, dont know what state you are in sooo cant say if you had to have "notice" or "repo papers". The LENDER is liable for Damage to the car. You will need some type of proof that damage was done during the repo. Cant just pop up and say, "oH'they broke my car". Tooo many folks try that so lenders are just not falling for it. But, get your ducks in a row and call the lender,explain what proof you have and try to reach a settlement. If that fails, call an attorney.

Not unless you have commited a crime. Being in default on a loan is NOT a crime. Repomen/women CANT arrest anyone. IMHO, attempting to scare someone into giving up a vehicle is the LAZY way to do it. It would be INSULTING to me if a so called "recovery agent" tried that on me. roosta NO you cannot be arrested for non payment of your car loan period!! I agree that recovery agents (repomen) cannot arrest you. They are not peace officers. However, some states have laws directly relating to failing to return a vehilce that was financed. Try this one one for size, ARIZONA REVISED STATUTES TITLE 13. CRIMINAL CODE CHAPTER 22. BUSINESS AND COMMERCIAL FRAUDS

There are lots of types/things that may go through repossession.

My instinct is to say that, while entering your property to repossess a car or a boat parked there is absolutely OK, entering your home probably wouldn't be.

However, under the same idea, maybe it would be OK to enter to repossess something like a couch or TV in there. Sort of following that if a repossession is required, whatever is required to accomplish the repossession is OK. The courts and society basically (and rightfully) support the party who trustingly gave up assets to the deadbeat that broke his promise/obligation to repay.
Allowing him/her to just hide behind their (or some rented) door with the unpaid goods wouldn't seem to be right. Understand, the point of repossession is the goods are actually owned by the one taking them back...just in possession by someone else (until paid). The owner should have the right to get his goods when the one holding them stops paying and refuses to return them, don't you think?

A house does not need to be entered to be repossessed. That happens by paperwork at the recorders office. There can then be an eviction of the holdover owner just like any non paying tenant.

8,000

No. as long as you make the payments to that place, it should not be a problem.

No because your Employer is dead. I killed him.