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Repossession

Seizure of property bought on credit for which loan payments are not being received. Please note that when asking a car repossession question, it is often useful to include the state that you live in. This will enable people to give you better answers.

11,694 Questions

How do retrieve personal items from apartment of deceased relative?

Be very careful. You must ask to have the items returned to you, or seek permission to enter the premises (from the executor), and you may be asked to produce some proof that the items actually belong to you.

The executor will presume that anything in the premises belongs to the estate of the deceased until proven otherwise, as it is the executor's duty to gather and protect all of the decedent's property from people who wander in making informal claims.

If the executor makes a mistake and gives you something that later turns out to have been the property of the decedent, you can be forced (in court) to give it back or pay to replace it if you have disposed of it.

After writ of possession in Florida what happens to tenants belongings?

The Landlord has the right to seize the belongings and sell them if he wishes. Most of the time, however, they just put out the belongings out to the curb.

Can you buy a car even though you have a judgment lien against you?

I've been told you can't because it will come up on the credit check.

Can your car be repoed on private property in the state of Texas?

repossessing a vehicle is NOT tresspassing in any state. It is a LAWFUL reason to be on the property. READ your contract again, you likely gave the lender permission to do so.

What are Florida laws on hiding a vehicle that the repo people are trying to find?

You, like many others who are facing repossession may TRY to hide the vehicle. I stress the word "try" because of the industry that has risen out of this activity. In the event you do TRY to do this, a team of spotters and skip tracers will begin to open up every aspect of your life in the process of discovering where it is hidden. Cameras you do not see and would not recognize will begin "looking" for vehicle, and when it is found will send an automatic report back to the agency with the vehicle's location. The phone calls will begin, first to you, then to the references you listed on the loan application, then to your family and neighbors, and your place of employment. These calls will continue for some time and will come in at least once a day at the most inconvenient times. Changing your phone numbers will do not good, as moderately skilled skip tracers find it quite easy to obtain cell phone and even unpublished landline numbers. Your neighbors will see the tow truck prowling past your home at least twice a week. In the vast majority of cases, the vehicle will be found, after all, what is the point of hiding it if you do not intend to keep it, and in keeping it use it? So, one evening, when you feel safe, you take it out of hiding and drive the family down to the WalMart or Piggly Wiggly to get some ice cream, only to walk out into the lot and find your car is no longer where you left it. Now you are standing there with your ice cream melting and you wondering what happened. So there is no question, what happened is your car was taken by a repossession agent, a person who has one purpose in his job and that is to find and secure vehicles that have essentially been stolen.

Give the vehicle up. It is a shorter less painful and less expensive road. In the event that you happened to be one of those very creative and willy people who can successfully stash the vehicle for an extended time, keep in mind that Florida is one of the states with the new law that prohibits you, who has one vehicle out for repossession, from obtaining registrations on any other vehicles. Also, in Florida, if you do not surrender the vehicle by the time the lender tires of chasing it, the lender can pursue criminal charges as well as judgment for legal relief against you.

Now, just giving up the vehicle should look a little more attractive.

Does a repo man need to see the VIN number on your car before he can take it?

Why not just make the payments and avoid to whole thing? He will take the car based on more than just the vin#.

Will the bank repossess a car with IRS tax liens on it?

The IRS to my knowlege will not/and is not able to put a lien against property that is not outright owned by the person. If the bank holds the title, it is not the person's property yet and is not subject to an IRS Lien. If the vehicle gets paid off, then at that time the IRS can put a lien against it The IRS tax lien attaches to all property, real and personal. However, the IRS has a number of things working against them: 1. The title to the car is being held by the bank. 2. The bank's security interest is perfected (they are listed as a lien holder on the title). Because of this, the bank is going to have priority on the vehicle even if the IRS filed a Federal Tax Lien before the bank gave the loan.

What should you do if a small construction company has not paid for work completed and signed off on and will not communicate with you concerning the debt.?

For one, start with your Local Better Business Bureau. They will contact the business as well. Next depending on the type of money involved you could do a small claims or a full blown legal case. The one issue I had is the guy who I had the issue with refused to take receipt of the certified letters, therefore I could not get him into court. I lost out on $3,000. I did however ruin his reputation in the town he did his work in. I made fliers and passed them out to all of his potential customers and posted them in the Local Town Halls. Good Luck hope yours turns out better then mine. If he is a bonded contractor, go after his bond. If he is a licensed contractor, the State can give you assistance in going after him. You may need a lawyer or collection agency. You'll need to pay, but if you have a contract that states that you can collect reasonable collection fees, you might be able to get most of it back. Don't let the bill go any further, you need to act now. Many lawyers and collection agencies will work on a percentage of money collected. * Another option is to file a Mechanic's Lien with the office of the clerk of the county in which the company is located or licensed or with the registry of deeds in the county where the company is located. Valid liens may be enforceable by an action to foreclose. An action to foreclose is a lawsuit brought by the lienholder where the court decides if the property should be sold to repay debts owed.

If you fail to make three car payments can the lien holder say your act is a felony?

Total nonsense...They are trying to get their car back. Scare tactics. But that does not make it true. Failure to make payments on a loan is NOT a felony. You are defaulting on a loan and they have every right to repossess your vehicle, sell it, and you pay the difference in what it brings at sale and the total left on the loan. You will also be assessed repossession fees. Of course your credit will be ruined for 7 years, but you for sure are not going to be charged with a felony.

How long after a chapter 7 bankruptcy can you file another chapter 7in the state of Tennessee?

Bankruptcy is Federal jurisdiction, therefore, the state has nothing to do with it. Usually, when you file bankruptcy, you cannot file for another 7 years, Period. No matter which state you live in.

I cant afford a car that is in my divorce decree and my ex has been making the payments for me i have to give it back to him and he's going to sue me for contempt of court can he?

If the car is yours and you can't afford it, either sell it or try and give it to the bank that has the loan. I don't see a contempt of court issue here since you are not doing anything in violation of a court order.

Is private property always private?

Yes. Private property remains private property until it becomes public property by a transfer of title by deed or by a taking.

Yes. Private property remains private property until it becomes public property by a transfer of title by deed or by a taking.

Yes. Private property remains private property until it becomes public property by a transfer of title by deed or by a taking.

Yes. Private property remains private property until it becomes public property by a transfer of title by deed or by a taking.

How many children can you keep in your home without a childcare license?

That depends on the states licensing regulations. Some states allow you one family (as many children as in that family) without needing to be licensed. You can also watch children related to you without having to be licensed.

If bk was discharged in ill can you file for bk in Indiana?

No...until the time to file has passed. You didn't file in a State...you should have noticed it was a FEDERAL court that handles bankruptcy.....state is irrelveant

How can you become a repossession agent in Missouri?

Michele,you must be sponsored by an "E" agent. For more info go to this link, FLORIDA DEPARTMENT OF AGRICULTURE & CONSUMER SERVICES Division of Consumer Services 2005 Apalachee Parkway Tallahassee, FL 32399-6500 1-800-435-7352 (Florida Only) (850) 922-2966 (Outside Florida) http://www.800helpfla.com/

Bureau of Regulation and Enforcement Post Office Box 6687 Tallahassee, Florida 32314-6687 (850) 487-0482 Lisa Trimble Good Luck and Be Safe

Clik Here for Fla. info

Becoming a Florida Repo ManFirst I suggest you read the links on the right.

http://licgweb.doacs.state.fl.us/recovery/index.html - This is the link to help you get started. It should answer any of your questions.

Would you believe they are lic. under the Dept. Of Agriculture???

http://licgweb.doacs.state.fl.us/recovery/index.html

You filed a chapter 13 bk and surrendered a car you were the co sighner but your mother-in-law was also on it can the bank go after her for what is owed on the car?

Yes. See this same question, many times. The deficiency is collectible and the debt is collectible against anyone on the note who didn't clar it theough some other process like bankruptcy.

Who do you contact with question s on garnishing of waged student loans?

I am an expert on student loans and can help you get out of garnishment and default. Click on my user name, "Studentloaner", below to obtain my contact information. Here is some useful information about defaulted loans:

There are only 2 ways to get out of default on your Federally Guaranteed student loans.

  1. Contact your collection company or student loan servicer and request to enter the rehabilitation program. Most people qualify, but I have seen some refused when the default is over 10 years old. In the rehabilitation program, you will need to make 9-12 on-time payments in addition to your garnishment. After the 9-12 on-time payments, they should stop the garnishment, but you will stay in a default status until your Rehabed loans are sold to a new lender. In the past, that was an easy process, but in these turbulent financial times, other lenders are not buying rehabed loans. So, with this option your loans will stay in a Default status for the forseeable future.
  2. The second way you can get out of default and have your garnishment lifted is to consolidate your loans. These days very few Federal lenders will consolidate defaulted loans and your lender will probably not release the loan for consolidation while in a garnishment stage. The good news is, there are a few companies out there that will help you get a garnishment lifted and find a Federal lender to consolidate the loans.

If you need additional help getting your loans out of default, click on my user name, "studentloaner", below.

What security steps could be adopted by one company to be sure it can avoid from website fraud?

Stealing graphics from an official site is common for phishers, in order to make their emails and sites appear official.

Several things you should do is:

  • Protect forms on your site from entries that reveal code. Limit entries to not include commands but to be within the specs needed for users to enter appropriate information.
  • Do not practice anything that is common to phishers...as in emailing people asking for personal information, directing them to a site. Once these things are universal and universally known, it will vastly help in stopping phishing. If you need information from a customer, advise them to initiate steps for contact.
  • Use security software and keep it updated. Keep operating systems and all software updated.
  • It is worth it to have your IT person educated specifically in Security. SANS is a good place to start. New threats constantly arise.

Is there a jet frighter faster than the fastest bullet?

No. The fastest bullets move at supersonic speeds i.e. 1200-1500m/s or ~ Mach 4. No fighter jets move that fast (the fastest only move at ~ Mach 2). However, there are jet aircraft (without weapons) like the X-15, which was designed in the 1960's, that can move faster than the fastest bullet i.e. 2020 m/s or Mach 6.70.