Repossession

I believe you would have to go to your local DMV

Thats a decision YOU have to make. Please consider the effects on your credit for each choice. Having to make that decision is a result of not considering it b4 you cosigned. Good Luck

IF you can find a BUYER, negotiate with the lender to complete the sale. The "no leinholder" part on the title wont fly if you try to do the sale. It IS recorded with the DMV.

I don't think that it is recorded at the DMV, the vehicle was paid for by check to the dealership through a credit union, it was not dealer financed. I will check with DMV though.

It depends of which B/K you file and whether you complete it.

Federal law prohibits employers from using bankruptcy as a reason for not hiring or discharging an employee. However, the law does not prevent an employer for using the person's questionable credit history as a reason for denying unemployment. Somewhat of a classic Catch-22.

Who owns the car, the co or the person?

you lost your husband and a car too!

They don't have to give you any notice. The divorce settlement should have included you being taken off the title with no financial responsibility whatsoever for the car.

They don't really need to. If a bank wants to reposses your car, they will hire a repo man to do it. Licensed repo's have master keys from the car manufacturers that can get them into most cars. Do you owe to a bank or to the dealership? The dealership has a key to your car. The bank can work with the dealership in a similar way. If you owe the bank and there either is no dealership involved or the dealership cannot provide a key, they still have options- they can tow the car, obtain a key from the manufacturer, have one made, etc. They normally already have this process taken care of before the loan is granted. Until the car is paid off, it belongs to the bank or dealership. If they are not being paid on a regular basis, they will take whatever measures legally possible to reposes their property. On a similar note, when they come out to repose the car, they have already called the local authorities. This allows them to take the car whenever and from where ever.

If you are filing for a divorce and you sell your house without the court's order, yes. There is an "Automatic Court Order" that is served with the divorce complaint that avoids parties from incurring expenses and/or spending money in joint accounts or selling property whether pesonal or real.

It can be garnished by the federal government. Federal student loans, IRS debt, ect. Also if you owe back child support or alimony payments, it can be garnished. However, it cannot be garnished by regular creditors.

Yes. The lien will be enforced when the home is sold.

when it is voluntary waiver of his right by buyer and acceptance of goods by buyer then breach of condition is to be treated as breach of warranty.sec.42 deals with acceptance of goods when he intimates to the seller regarding acceptance or retain the goods without rejectingthe goods.in these condition breach of condition is to be treated as breach of warranty.

This is a difficult question to answer since different debts are treated differently, and since circumstances can so drastically change the results. To begin with, please see 11 U.S.C. 523, which states: "(a) A discharge under section 727, 1141, 1228 (a), 1228 (b), or 1328 (b) of this title does not discharge an individual debtor from any debt- ... (C) [which are] consumer debts owed to a single creditor and aggregating more than $1,000 for "luxury goods or services" incurred by an individual debtor on or within 60 days before the order for relief under this title, or cash advances aggregating more than $1,000 that are extensions of consumer credit under an open end credit plan obtained by an individual debtor on or within 60 days before the order for relief under this title, are presumed to be nondischargeable; "luxury goods or services" do not include goods or services reasonably acquired for the support or maintenance of the debtor or a dependent of the debtor; an extension of consumer credit under an open end credit plan is to be defined for purposes of this subparagraph as it is defined in the Consumer Credit Protection Act...." So, credit cards and loans for luxury items incurred within 60 days before the petition is filed are presumed to be non-dischargeable. However, creditors can come after you for debts incurred virtually any amount of time before a bankruptcy is filed if they feel that they can prove to the Court that the debtor incurred the debts in anticipation of filing bankruptcy on those debts, or if the creditor can show that the debtor was insolvent at the time the debts were incurred and knew or should have known that he or she could not afford to repay them. Most debtors I see wait at least 60 days after any debt is incurred prior to filing a bankruptcy. What seldom ever works is when a debtor goes and runs up a bunch of credit cards or payday loans and then waits 60 days and files thinking they're beating the system: creditors aren't stupid, and if they see a spending "spike" prior to a bankruptcy filing (even outside of 60 days) they will sometimes object. Bankruptcy is only designed for honest, hardworking people who suffer financial hardship, so it is best to ensure that the debts on which one files bankruptcy are honest debts. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.

YES, they can be taken BUT NOT kept. ALL PP belongs to the debtor and the DEBTOR will have to redeem it.

NO, that would violate your right to privacy.

Yes, The insurance of a vehicle has no bearing on where the car is purchase or register.

No, unless you have medical or eyesight problems, I believe that after the age of 80 a yearly application is needed from DVLA

If you have a concealed carry permit, you do. If you don't have specifically a permit to carry concealed, then you can't carry a pistol concealed. Most states which have concealed carry legislation either prohibit open carry, or else have laws on the matter which tend to be a bit ambiguous. For example, it may be legal, but it may also be accompanied by "menace to the public detriment laws" which make it illegal once someone sees you carrying openly, feels uneasy about it, and calls the police.

Your question is not trivial, and there may be some variance due to asset equity thresholds and such parameters set by the state of jurisdiction for the bankruptcy filing. An excellent primer about filing chapter 7 or 13 bankruptcy is "The New Bankruptcy, will it work for You?" 3rd edition by Stephen Elias, published in 2009 by Nolo; 346.078 E42N Dewey decimal.

I have been employed by Talbots for a year and a half in one of their retail stores and we have been reassured that they have no intention of declaring bankruptcy. Neither do they intend to close most of the stores, as has been rumored all over the internet. Please visit our website and see how many jobs are currently available within our company. Also, we have plans to open 21 new stores in 2009!

A criminal lien is specific things that someone cannot do. This could be that a person cannot move out of state, cannot sell personal property, or probation.

Filing bankruptcy stops all debt-collection actions, whether phone calls, letters or lawsuits. including repossessions, foreclosures and attachments or garnishments. If the case is a c. 7, there is a "341" meeting, where a trustee examines the debtor under oath as to his/her assets and income and certain kinds of pre-filing activity. If there are no problems, you receive a discharge, which permanently prevents all collection actions on the discharged debts.

If it is a c. 13, there has to be a plan, and if the plan is approved and completed, you will get a discharge, as well as getting caught up on all secured debt arrears.

When I lived in Detroit, 2 of the best places to lok at or buy a used car CHEAP was along Livernois Ave. between W. Warren ave. all the way north to about 7 or 8 mile road. Another place was along Michigan Ave. between Telegraph Rd. heading west to about Wayne Rd.. Both areas had a lot of small car dealers that you could bargain with. Alot of them did their own financing. But as always...Buyer Beware...and as always... you get what you pay for. Good Luck.

Mark H.

nessa, who's "version" of the law do you want?? the local cops who like to protect their cousins, etc and make up local rules as needed? Or the repomans version??I NEVER call in unless I have something to call about. And when they want me to stop by so they can get a copy of the paperwork, I ask for their fax # and tell 'em I'll fax it when I get to the ofice. Seems like I NEVER get back to the office. I don't see local PDs needing copies of CIVIL paperwork. Good Luck and BE SAFE

in Massachusetts state law chapt 255 sec 13j it states " any secured creditor obtaining possession of a motor vehicle under the provisions of this section shall,within one hour after obtaining such possession, notify the police department of the city or town in which such possession occured, giving such police department a description of the vehicle involved." but this is in mass not Texas.. i wonder what happens if they fail to notify the police department. get away with it I'm sure... slimeballs

"How will filing for bankruptcy help before your car is repoed? As soon as the B/K is filed, an AUTOMATIC STAY is in force. lenders must stop ALL collection efforts. If your not able to file for bankruptcy before being repoed how long will it take for them to garnish your wages in Ohio. ": That will depend on how quickly the lender files the paperwork, the court gets to it,ect. Guesstimate?? 1-6 months.