Repossession

Absolutely! I had a bankruptcy and I enjoy working in a State government. I have colleagues in the FedGov who have had financial problems in their history. The trick is that you show that you're paying your debts on time and explain why you were late in the past. Circumstances happen, and sometimes, people just made bad choices. Either way, the key is time. So, if you've had a bankruptcy just a minute ago, you might have to wait a year or so to show the gov that you are maintaining all your current payments on time and do not live too far above your means.

Go to your local police with the sn. If it's been reported as stolen they can tell you.

I flew as Bombardier for 30-missions over Germany in World War 2,
now I have lost my hearing. How do I prove to the VA that my
hearing was lost because of the noise factor as a bombardier??

Not sure where you're from, but in the UK you usually have between 7-14 days 'cooling off' period, during which you can change your mind and receive either a full refund, or a refund less the administration charge.

A promissory note is essentially a formal IOU.

If someone in the records and/or financial office at your school didn't tell you this will work ... it almost certainly won't work and it doesn't matter how well you write the letter. If you'd like to try anyway, you can find templates for promissory notes in general online with a small amount of searching.

If they did tell you it would work, ask them for a template.

bonded .... no.... but you must have the correct insurance... ask any insurance agent for help with this.... i am a repo man and to work for any Bank you must carry a million dollar insurance policy.... yes... i said 1 MILLION DOLLARS

usually when a contract a contract is made it should have time stipulations as to when one can cancel the agreement, if things are not meant in the deal what happens, Another thing to think about, was it disclosed that the title was not clear, example- someone took a loan out on a car and the bank is holding the title as collateral until they are paid. If the person that you made the deal with did not disclose everything about any liens on the car I think that if it went to court the judge would go in your favor. Your best bet if to go to your local judge, state rep., or senator, for help, laws vary from state to state. you must do your research before hand to get all the facts you can.

To do with money and how you handle it

The one with the name on the title, if it is free and clear. Otherwise, finance companies that finance vehicles are the official owners until the loan on the vehicle is paid off.

By using the term collateral, it means there is a lien on the property or title..like a car title shows the lender as a lienholder. You cannot sell it and give ownership without habing the lienholder remove the lien. And of course what your talking about happens everyday...if it isn't/wasn't in the name of the one filing BK, it makes no difference..it isn't his. Lots of people sold things today and lots of people filed BK today...they are different people and one doesn't effect the other. And of course, what you would be planning is criminal fraud...and any transaction done for at least 2 years before filing BK will be examined and may be reversed by the court. Do you really think your going to loophole the BK laws? Something that has an entire Court system, thousands of thousands of lawyers practicing it for decades? Gee, no they haven't heard/seen/dealt with whatever you could come up with, and probably much better (since what your suggesting is more than foolish, but plainly shows no understanding of financing and lending), maybe a million times...literally?

== == Look in the phone book for repo companies, call and ask for a interview with the owner. Individuals cannot, in most states, do repos unless they are licensed and bonded by the state Government. They can only work for a company that is state authorized to recover assets, on behalf of the owner of those assets ,usually a bank or loan company. Most states require an individual to have NO CRIMINAL RECORD, and post a cash bond, before they can be licensed under a company 's name, as their employee. You also have to learn the laws in your state that govern repos and pass a state test on those laws. No pass, no license.

it's 10 years from the confirmation date. who told you 5 years?

Yes, if the vehicle is not protected by the state's exemption amount. If the judgment is not by the lender who holds the lien on said vehicle it is unlikely that the judgment debtor would engage in such action especially if there are other means of enforcing the judgment writ, such as garnishment of wages or levy of a bank account. I don't understand what is the exemption amount?

Call the cops and ask them to assist you. If you are unable then to get your things, atleast you have a police report stating you tried when you take them to court.

filing "Pro Se".

It doesn't sound like a bank's typical answer, you are not liable for the vehicle after the discharge of the bankruptcy, however since the bank still holds the title, they will probably write off the debt. You can request that they (the bank) put their intentions in writing, however I doubt that will happen. You may want to research different ways of getting a clear title from the BMV, it the bank truly wants nothing to do with the vehicle, you can go through the proper channels and if its not disputed, you can possibly end up with the title.

No. License plates are already in plain sight, and an officer can run the plates at any time. The scanner just speeds up the process.

In the US, the Dept of Ed. does not reposes anything on the repayment of Federally Guaranteed Student Loans. They will only garnish wages, garnish social security, and keep tax returns.

If you need help getting out of Default on your student loans, click on the link at the bottom of this text box.

Of course...in fact it is the best way to go about it.

Notify the LENDER by cert mail that they have 10 days to remove the car or you will have it towed by a wrecker company. IF they dont p/u the car, call a wrecker co. to come get it.

Be hired by them as a licensed, bonded and insured recovery agency.

If the gate is unlocked for any reason, the car can be repossessed. So, if we are talking about a gated apartment/community -- yes, as anyone can follow another car into the apartments or community. If we are talking about a locked garage, that is never opened...the car is not being driven at all...at any time... then no. But you are going to have to have proof that someone broke in. Your word against a lender will not get it back. Remember, the repossession is being done, as payment has not been made--the car technically belongs to the lender until it is paid off.

During a bankruptcy filing, the lending institution still holds interest to the vehicle if there is a pending loan. Some banks will allow you to continue to pay for the note and others will take the vehicle back, but in either case the option is theirs.

I don't think so. They are supposed to have a police escort if their car is in storage on your property. If police have to have a warrant to come on to your property, what makes the repo man think they have more territorial rights than the police? I just had to answer because that repo man is wrong and thinks he's above the law! I hope you documented everything and have witnesses because you might have a lawsuit against them. Julie