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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

What form is needed to evict a person from a travel trailer in Fl?

NO FORM! that ain't rite kickin yer brother out of his own trailer! how dair yew. a holl.

Where can a teenager in Marion Ohio get a job?

With a few exceptions everywhere hires at sixteen. Try baby sitting, walking dogs, and etc...

If you find a blank money order and cash it can it still be reported stolen?

Money orders are traceable. However a blank money order would not be valid as the information is filled in at the time of purchase and said document has no cash value until it has been activated.

An attempt to cash one by someone who is not the intended receipient and/or falsifying indentification or information the MO contained is a crime.

What rights does a cosigner have before repossession?

The co-signer has every right to take possession of the car. In state law they can call the police and hire a tow truck…sorry that the down side to having a co- signer The co-signer has every right to take possession of the car. In state law they can call the police and hire a tow truck…sorry that the down side to having a co- signer The co-signer has every right to take possession of the car. In state law they can call the police and hire a tow truck…sorry that the down side to having a co- signer The co-signer has every right to take possession of the car. In state law they can call the police and hire a tow truck…sorry that the down side to having a co- signer The co-signer has every right to take possession of the car. In state law they can call the police and hire a tow truck…sorry that the down side to having a co- signer

Would a financing company really pay a repo man to repo a 1996 car that has 100000 miles on it if only 240 dollars in late fees is the remaing balance and the principle has been paid?

Yes, because ultimately you are paying the fees.Is your your 1996 car worth more than $240.00..... probably.Add in another 250.00 or 300.00 for the repo and your looking at 500-600 is your car worth that auction?Probably yes but it doesn't matter because you are liable for the balance left from the cars auction.

If you have a tow truck that is not for hire and personal use do you need Illinois tow plates?

Yes you do. I have an '86 F-350 wrecker that I only use for personal use and still have to have tow truck plates on it. The way they made it sound, any second division vehicle designed to transport another vehicle must have tow truck plates. Rollback trucks CAN use regular flat weight plates, but only if the car sitting on them is licensed to YOU. If it's licensed to someone else or not licensed at all, you can get in big trouble.

The only DMV that you can get tow truck plates at in IL is the main one in Springfield. You can go to a remitter's office (commercial license and title service) and they can do it for you. The stupid thing is, they do not issue temporary plates for tow trucks, so you can't USE the truck until you get your permanent plates. The remitter's office here in my town only took a week to get the plates in from Springfield, but I still had to wait that week before I could use the truck. If you go to Springfield, they can give you the plates the same day.

The good thing is, the tow truck plates don't cost any more than flat weight truck plates.

Can your car be repossesed with interlock?

Yes. Repossessors have been dealing with these things for a long time, and they know how to deal with them.

Can a mechanic put a mechanics lien on your car as long as you are making monthly payments of some kind?

If you fail to pay the mechanic for services then they can put a lien on your car and this has nothing to do with you making the monthly payments on time.

Is it legal in Florida for a repossession company to charge you 4500 dollars to recover the personal property from your vehicle?

They can charge a fee if they have processed your stuff ..that is bagged logged etc..If what you have posted is supposed to be $45.00 that is not unreasonable.....$450.00 that is.

If your car is impounded can the towing company make you leave it for a month while it accumulates fees?

They can't make you leave it there, but if you cannot pay the bill to get the car released, they indeed do not have to release it back to your possession. In that case, yes, they will keep it impounded, and you will be charged a storage fee (usually accumulating daily interest) which must be paid before your car is returned to you.

Does NJ provide maternity disability to people who have been turned down by their insurer?

NJ has mandated disability coverage for people who work in the state. It covers all workers, regardless of medical history.

How can you obtain appointment of licensed title agency?

Please rephrase your question, I can't understand what obtain appointment of license is referring to.

In a Ch 7 bankruptcy if you voluntarily surrender a car prior to actually filing is any consequent deficiency collectible?

Sure. Unless you had them agree in writing that in exchange voluntarilarly surrendering they wouldn't seek any other damages.

And here's the thing - if you didn't do it voluntarily (which you'll probably find is what you agreed to do when taking the money and signing on the loan agreement - if you defaulted on the loan - and keeping/hiding it isn't really legal - so it's not something you did that really deserves a lot of thanks) - then any costs they would have had - and the likely lower value of the car - would have made you owe more anyway....(they get to recover whatever not turning it over costs them)....so really, you were helping yourself by not making matters worse.

An alternative would be, as they probably sell it as wholesalers for less than you a private party could...if they won't give you a release to surrender it...then sell it on your own and of course they get all the proceeeds...or enough to pay off the debt...to release the title...you still get more to pay off the debt...and don't incur the repo expense. And, acting responsibly, they MAY cut you some slack.

..........

THAT'S not necessarily true. While it would be true that a deficiency balance would be collectible if you were not filing for bankruptcy protection, the fact is that the deficiency balance is dischargeable in bankruptcy.

I purchased a 1997 car with a lien The financial institution is no longer in business Cannot register car with lien How do you obtain clear title?

A number of states have a provision where you can go to your department of motor vehicles and file the vehicle as abandoned on your property. They will notify the lienholder/owner and if they don't respond they will transfer the title to you

In Texas law can a repo man place felony charges?

Who or what do you mean by "the repo man?" If it is the lender you are referring to, yes, they can. If they are attempting to repossess the vehicle because of your non-payment on the installment contract, AND you are concealing, or keeping them from recovering their property, they could charge you with Grand Larceny for intentionally depriving them of their property. On the other hand, if by "repo man" you mean the agent who is actually driving the tow truck, no, they could not - UNLESS that person also happens to be the lender/owner of the vehicle.

I am searching for owner of bitsandpiecesuk.com?

So Am I they took our order on a debit card before Xmas havent delivered and now we cant get hold of anyone Sounds as though they have closed down Mike I have not yet researched bitsandpiecesuk.com's Company details but am in exactly the same situation with them, i.e. ordered over £170.00 -worth of goods in early December 2007 and did not receive ANY goods, nor ANY email offering any explanation, nor ANY telephone communication- NO contact at all from them. I waited patiently to see to see if there was any sign of the goods arriving after Christmas (having been possibly caught up in the Christmas postal rush), nothing arrived. Started sending emails via their online Customer Services form, also via their cservices@bitsandpiecesuk.com address, and have still received no reply. Exasperated, I reluctantly phoned their 0871 989 7962 Customer Services line at MY expense and their PROFIT, the call was answered by a man who explained that their "Despatch Company" (not named) had gone into liquidation and that all customers who had placed orders would be receiving a full refund. He then asked for my name and address details and telephone number, which I supplied, but which they obvously already had when the order was initially placed. To date I have not received the refund and am becoming increasingly suspicious as to what is going on. An internet search revealed that their parent company in the USA has an extremely poor Customer service history. I will post again with any new developments or contact information as i come across it. 23/04/2008. U.K. Company operations suspended by U.S. parent company. Probably not much hope now but expensive lesson learned- only but from well-know brand names when purchasing on the internet.

Can the dealership break your auto lease?

If you have met all the requirements of the lease, the answer is no. If however you have failed to meet your obligations under the lease, they for sure can cancel the lease. Leasing a vehicle is a very poor decision on your part. Buy a used car that you can actually afford. Leasing is a poor choice.

Can a finance company put a lien on your house if you do not pay your car note in Arizona?

I don't know, But when you made the deal with the finance company to buy a car they would/should be holding the title to the car until the loan is paid off. One way to figure this out is do you currently have the title in your passion? (make sure) If you do have the title that would mean that you probably took out a personal loan. If the finance company does go to put a lien on your home they have to take it to court, YOU MUST GO TO DEFEND YOURSELF, So when you are in court you can tell the judge your side of the story, (if you don't want the car, and you do have the title ) offer the title up as payment to satisfy the loan. Another thing, When you applied for the loan you talked to a loan officer, and you told them you wanted a car loan. Tell this to the judge, and then ask the judge why would the loan company not hold the car title for collateral? (think about it) Also when you go to court, you might want to think about getting a lawyer ! good luck

If your husband is being stationed in Japan and you can't take your car can you get out of the financing or do you have to have your car repossessed?

You need to contact your husbands CO and/or base JAG for better advice. There ARE solutions for the problem and they can help you utilize them more effectivly than I. Do that BEFORE you do anything else.

When you file chapter 13 you did not include your home in it you made payments on time you never fail a payment but the bank file the relief of stay addusing that your pyments were late is tha legal?

Your house is included in a chapter 13; you had no choice. You can't not include it even if you, for some reason, think you did. If you actually made the payments as you assert, you should go into court on the return date for the motion with the proof of payment. The bank obviously thinks you didn't make the payment and that is why they are bringing the motion. Of course such a motion is legal. Thye judge will then decide who is right. In my experience, banks are typically right when they say they didn't receive payment. I would contact the attorney representing the bank (see the motion papers for phone number) and ask for your payment history and see if that matches what you think you paid. You should also file answering papers to the motion. Go to the court and see if they can help you file a brief response stating that you are opposing the motion due to having made payments. Include your proof of payment as an exhibit. Again, I tend to side with the bank. If they got the payments they would not bring the motion. The bank wants payment. You needed to make payments for every month after you filed bankruptcy. Did you do this? Read the motion and see what payments they assert you missed. Typically, it takes three or more payments being missed (lateness would not really cause a bank to bring a lift stay motion, though late fees are added in to what you owe) for a bank to bring a motion. Call the attorney and ask for proof and show them your proof of payment. The attorney and/or the bank is not trying to steal your property. Make sure that you are in court on the return date to oppose the motion. When the case is called you go before the judge and explain that you made the payments. If you don't show up, the judge will grant the motion and sign a lift stay order and then the bank can proceed with foreclosure even if you are still in bankruptcy. Hope this helped. = ans = The above is an exquisite answer...and to be sure you understand one other point, as you are indignant and questioning the legality of the banks action: If you did omit the house/loan from your filing, even though those forms are very explicit in saying you must provide information on everything (not just things you want)...and you then swear and sign to the court that you did: Not doing so is illegal and considered criminal fraud ON YOUR PART. And courts really don't take well to being lied to and defrauded.

Can a Lobsterman legally shoot at a person trying to loot his traps?

Although I can't blame the person for this, no, you can't and it's called attempted murder or murder! Hopefully you have a dog(s) as they are the best protectors of your property. Set a trap for this looter and tie the sucker up and dump him off at the police station. Either that or get a shot gun and fill it full of rock salt and let him have a butt full of that. It won't kill him, but that rock salt burns and takes a long time to stop burning.

Can your vehicle be repossessed even when the contract has been paid but you owe for interest late charges?

Technically, it still belongs to whomever holds the paper.

If it has not been towed, you should IMMEDIATELY go to court and ask the judge for an injunction to give you time to get your head together.

If you are lucky, you just received the same letter that the finance company's computer churns out to latepayers every month so the likelihood of a tow-truck showing up is not high. Still, you don't want to take any chances.

Get an injunction and tell the finance company you have it (and call the local tow companies too, because it will be one of them that will come to get it, not someone from Chicago or Florida or Canada) and you want to talk about the balance.

How can I sell a vehicle in Texas that has a mechanic's lien?

Either pay off the lien and then sell the vehicle, or sell the vehicle and use the money to pay off the lien.

Why was the law A person may not cross state lines with a duck atop his head made?

I believe this is a urban legend. Can you cite the actual law that states this?