Repossession

The bank/ loan co. will usually work out a payment plan with you or they willseek a judgment against you and try to garnish your wages(if you are working).The key to dealing with them is to get everthing in writing and to document they're dealings with you i.e. phone log,record their phone conversations with youetc.

A repo man is hired by the bank to collect an asset a loan is secured by. It is the only thing that they are allowed to touch, also anything that belongs to you inside the vehicle is still yours and you are entitled to it. Anything that you have installed on the vehicle however does not.

OOPS I think I misunderstood the Q when answering below: You mean someone is taking a civil action against you and wants to serve you papers, they can't so can that become criminal where a warrent can be issued. Probably not. Avoiding process, if proven, is an action the court may act on and give a warrent...but it very hard to prove and uncommon. However, there are a number of ways you can be served without the process server actually putting the papers in your hand. For many things that includes publication, or even having a certified mail letter, sent to a good address as on record as a legal one for some matter like liscence, business, etc., rejected 3 times. Then not showing loses the case or can be actionable. Just consider that the whole system of courts and justice we use are made with controls and powers to assure they can do the job....and not simply be avoided by someone who doesn't want to participate or be sued. Virtually no one does! Simply be able to duck process, especially with the help of friends and family, and avoid having to answer problems would make the sytsem entirely fail, people take thinggs in their own hands, and act as if there are no consequences. That wouldn't stand for a minute. The issuing of the warrent and the serving it are 2 different things. You can absolutely have a warrent issued for you for many reasons, most notably, failing to show up when the court wanted you to.

While attempts to enforce it may be made, succesfully or not, that doesn't mean it isn't active, and just waiting to find you. First, don't underestimate the success of enforcers to find you...thats what they do...it's a fair guess that an overwhelming percentage of the people they find don't want to be found. People harboring you are doing something wrong, or someone may just want to "get even", or get a benefit for the information.

Then of course, you can get found through many other ways...stopped for a ticket, ID check because your at the wrong place at the right time, any minor problem becomes a real possibility of setting off alarms and eing brought in on an outstanding warrent. Many, many others. Traced through work records. Trying to collect a benefit from the State you had coming...any number of ways. Computers are fierce....and getting fiercer! Try flying/trveling under an alias...which is tuff, because if you use your own name, well they're starting to check that too.

Assisted suicide is illegal in Washinton State as it is in every US state with the exception of Oregon. The act of taking ones own life (suicide) however, is not illegal in any US state.

The bank should not take your money and send it to Indiana's unclaimed funds division on an active IRA. Send a letter to the bank requesting information on why this was done. It may be that there is a clause requiring them to turn the money over to the state if the IRA is inactive for a certain period of time.

Not necessarily, as long as enough credible evidence can be presented to prove that you stole it, or had it in your possession after the theft.

when the sheriff comes with the replevin to get the car, he will take the car or you. Simple choice.Naturally, he'd rather take the car.

No you cannot.They can after a lengthy court process force you to turn over the vehicle but it never happens....if it did you see the countless repo posters citing the case here.

Not directly as a named lienholder would, but it depends on many things - mainly if the repossession reaped enough money to pay off the prior debt (which would include all late fees, interest, costs of collection, etc.). If not, the amount you would still owe may be turned into a claim or lien against other things you own, or wages you earn, to get full recovery.

30 days

Laws are based on specific state and associations regulate debt collectors like; ACA international, CLLA, etc. Debtors are bound by different laws depending on the state. Look at the resource box

First, there is no law that allows a creditor to sell property owned by a debtor. Rather, the creditor seeks a court judgment against that debtor and the court decides how the debt will be paid if the debtor is unable to do so out of their liquid accounts.

Second, the property must be linked to the debt in some way. For example, repossession of a car for an unpaid auto loan, foreclosure on a home for an unpaid mortgage. A credit card company cannot go directly after the property of a borrower that did not pay - rather, they must seek judgment to do so AND the court must provide for the sale of property.

Finally, the creditors must follow fair debt collection practices, meaning that there is a long time between liquidating any property and determining that the debtor will not pay. Collections processes generally run up to 180 days and subsequent court proceedings (e.g., foreclosure or civil suits) will take some time as well.

No it is not illegal, in fact it is quite legal and usually occurs as I was informed when you are 74 days past due. There is the same peaceful rule. In other words if you object or keep the car locked in a garage they can not force you to relinquish.

No they are just trying to get extra money off you , that's why a repo company tries to wait till the last second to send a car to the auction. so if there is some chance of you redeeming your car they want you to do it there so they can get storage fee's off you. I cover this topic and more at www.stoptheRepoman.com

Until you apply for a loan and the lender gives you money. In other words, one day.

If they can't find it & you can't drive it; what difference does that make? How about doing the right thing and paying for it?

Why would someone give something to someone with getting paid. It sounds like the car was a gift.

You are allowed to remove any personal possessions from a vehicle that has been impounded without paying. You are not allowed to remove any part of the car like speakers, spare tire, seat covers, etc...

No, the lender can not have you put in jail because they have a lien on you car. They can press charges against you in many states if your vehicle is up for repossession and you attempt to hide it or hinder the agency hired to secure it from recovering your car. Or, if the lender secures a replevin and you still refuse to turn over the vehicle, you will go to jail then for contempt of court.

If there is a judgment AGAINST you for fraud, then NO, such a judgment WILL NOT be discharged.

Contact a local repo company they will tell you what you need.Good Luck.

You may want to check your state's statutes. In most states, repo companies can charge a fee and it's completely legal. If, in your state, it's not legal, you can file a grand theft report with the police agency governing the jurisdiction where the company does business. You can also sue them in civil court for the fees plus court costs. However, make sure first that charging the fees was illegal.