Repossession

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.

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.

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.

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.

To my knowledge, the lender can ONLY repo when the loan is in DEFAULT. Does your acct. being minus put you in default????

I DO NOT KNOW WHAT STATE YOU ARE FROM OR WHAT ATTORNEY YOU HAD. I KNOW MY CAR WAS LISTED AND I MADE PAYMENTS... BUT I KNOW THAT IF I MISSED PAYMENTS, THEY WOULD TAKE MY CAR... SO,NO...IT IS ILLEGAL FOR THEM TO ASK YOU FOR ANY PAYMENTS AT ALL. HOPE IT HELPS?!

Yes. Simply because the car is registered in both your names.

90 Days

Yes. He does not have to accept a partial payment.

Yes. He does not have to accept a partial payment.

Yes. He does not have to accept a partial payment.

Yes. He does not have to accept a partial payment.

the number the item in question is set to automatically

call the cops and some big budies

While participating in a Chapter 13, all major financial transactions must have the approval of the BK trustee before they can be entered into. In most cases if a vehicle is needed for the person's employment or family safety the purchase will be approved for a specific amount. Finding a lender however is another issue entirely and can be quite difficult.

If the judgment was not perfected as a lien against the property (which is almost impossible in Florida), the property is not encumbered and the title should be clear, thereby not causing a problem with the sale. The judgment holder will probably be able to execute the judgment as a bank account levy and/or seize funds garnered from the sale of the homestead.

company owes me $1200 wages have not paid me 9 wks went out of buisness selling semi trucks want to put lein so I can get my money

Just call the bankruptcy attorney's network at 877-530-8616 and they will hook you up with a local attorney in your area that gives out free bankruptcy evaluations.

If they catch you driving on that expired license, yes.

If they hold the lien to your car and you default on the loan, they can repossess the car. 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. Remember this repossession will stay on your credit for 7 years.

Then the secured creditor would most likely foreclose on the property.

Yes. And they normally do...because they owe it to others.

You borrowed money from them and bought a house. You owe them the money. Not the house.

You would have kept any amount you sold it for that was more than you paid...you would not have given them more. You would have paid them what you owed them only.

They did not buy the house, alone or with you.

You probably would have owed them less after all, had you sold the house on your own...because you will owe them all fee's and costs they have to incur to sell the house at foreclosure to recover funds you were to pay, and having to act to do so.

You made a bad investment with money you borrowed. That's all.

Until the DMV will give you title to it. TITLE STATE: Yes SECURITY INTERESTS: Shown on title held by lien holder. LICENSE REGISTRATION: North Carolina Division of Motor Vehicles, Vehicles Registration, 1100 New Bern Avenue, Raleigh, North Carolina, 27696. Tel.:(919)733-3025. RECOVERY REQUIREMENT: As per UCC, repossession allowed without committing a breach of the peace. DOCUMENTS REQUIRED FOR LIQUIDATION: Title and Repossession Affidavit, Out of State Repossession titles and affidavits are accepted. PLATES: Remain with the debtor. Give them a call.