Repossession

If there is no equity in the car (it is worth as much or less than the payoff price), and the payments are current, no. If there is equity, since your daughter is not entitled to your exemption, someone will have to pay half of the equity to the trustee.

You would need to speak with your attorney about that. There is the issue of whether it was legal, and also whether you can prove it.

Gina, if the repoman picks it up. its a REPO. Ya cant hide the car in a repair shop.

if you have your own vehicle, have a job, have roomates, you might be able to get emancipated. a judge that does emacipation would determine that. but you have to call a court clerk and found out how much and set a date for the hearing. take all your documentation that you can leave your parents and make it on your own. character witness would help on you day in court . if you don't have your own vehicle, job, set up for residence, you could be forced to go back home by youth court. when i left at 17, i didn't have any problems with my parents. i started working at 15 everyday after school. didn't get into trouble with the law and finished school.

Generally a policeman will not call you out of the blue like that; you may demand to see his warrant, and call a policeman yourself to report possible fraud and/or theft and/or impersonation of a policeman. If you receive the call on your landline or mobile telephone and you have caller ID, and the number is displayed, record the number. Repossessors generally cannot obtain warrants. Only prosecutors may obtain warrants. Repossessors however may seize your car without a warrant if you have genuinely fallen behind on your payments. However repossessors cannot misrepresent themselves as law enforcement personnel. Therefore, because the law prohibits people from impersonating police officers, no, a repoman cannot do what he has stated in your example. He may only seize the car without warning. However you may have an advantage as this may give you time to contact law enforcement and/or legal counsel and/or local prosecutors yourself.

Usually after a suitable release is filed in the property records. A release is obtained either from the lien-holder when the debt has been satisfied or by a court order (e.g., invalid or otherwise bogus liens).

Answer

When presented with the question of equal opportunities I've always taken that to mean that a woman and man get paid the same amout of money for doing the same job and in my particular case I did see such a case. I was a Union Shop Steward and there was this one lady working on a machine operated by both men and women. She wanted a raise based upon the fact that her output was greater than the men in her department doing the same job. Before taking her request to management I had to investigate her claims.

Turned out that indeed her output was greater than the men around her, but she wasn't doing the job as it was described in her agenda. She wasn't carrying 20ft long rods from a bar rack to her machine, she wasn't strong enough so the same men she complained about as not doing their fair share of the work load were actually carrying her rods to the machine and each hour to an hour and a half 5 gallons of oil had to poured into her machine as she was cutting metal so the metal can't get hot or it burrs. At any rate, her request for a raise had to be turned down until she could do all of what her job description called for. As far as I know she never did get the raise, but anyone who can do the same job as the man next to her can do on her own deserves to be paid the same amout of money and have the same benifits.

The laws for how to handle and/or dispose of so-called "abandoned property" vary from jurisdiction to jurisdiction. Contact your local authories and ask what you have to do to consider it "abandoned."

US Bank, Citi Bank, and JPMorgan Chase

In California, when a union contract and state law are in conflict, then whichever provides more benefit to the employee prevails.

A Repossession Agent, if he's operating under the law, CAN go on your property to locate and repossess the item he is legally entitled to. The law does no address such acts as shining a flashlight in your window.

If the debt relates to tax arrearage and/or child support then yes, SSD benefits can be garnished via a court order.

SSD cannot be garnished for creditor debt.

Probably, in most cases a judgment is entered against the defendant. A judgment will remain on a person's credit report for seven years from the time of entry and if renewable can be reentered on one's CR. The length of time a judgment remains public record depends upon the laws of the state in which the judgment is entered.

missy, I have nver heard of such a law. Call your state AG office for better advice. Or any local legal aid office. Sounds like a debtors dream, doesnt it?

http://www.dllr.state.md.us/finance/repossession.htm Contact them, they are very helpful....

A lien can be placed on the vehicle after due process is followed according to the law in which the incident took place. A lien cannot be placed against the persons's license. YES in some states, Florida, Washington, California come to mind a vehicle towed at the request of a law enforcement agency can have a lien placed on the vehicle and after the sale of it any and all negative balances due can have a lien placed upon either (depends on the state laws) the vehicle license plates or your drivers license.

I have been doing repo's for almost 3 years and it doesnt matter where you move to you can be found people who do repo's have access to information that most people cant get we can find out anything we need to know about you through law enforcement a post office we can simply use your social security number to locate where you moved to once we do that we can go to the local post office and ask where your address is by simply giving them your name also you can be found by what is called a reverse address using your telephone number and calling 411 information and giving them the phone number and they will tell us your address the post office helps out alot with P.O. boxes we use them all the time as a matter of fact I used the post office to locate a person today to do a repo there are many ways to find you dont worry! If someone is out to repo your car they will find you just give the car up and stop running!

Generally not, but depending on your jurisdiction's laws, you may not be able to enforce the lien if licensing is a pre-requisite. You need to check the law where the property is located.

It should, since specific property is contemplated as security for the loan. The burden might be on the creditor to prove in court that such a loan existed to establish his claim. Written loan agreements setting forth the security interest of the creditor in the stock should be sufficient, if signed by the debtor.

Because of federal manufacturing regulations, however, these units must conform to building codes that are stricter than those imposed by many local governments for site-built housing in a similar price range.

Judgements remain on your credit report for seven years from the dast of last activity or date of last payment.

Judgements cannot be renewed, unless you contact that creditor to either settle on that debt, or call to ask a question. This is the only time the date of last activity renews itself.

My suggestion is if it is not over the seven year "SOL" then save enough money to settle on this debt with at least .10 cents on the dollar, or 30% of the balance owed.

Once your ready to contact the creditor, speak to the "Manager of the Department" to settle for no more then 30% of the balance. Make sure you get this agreement in writing before making a payment.

Once you receive this document (have them fax it to you within that same day) make a debit card payment over the phone with that representative.

Once you have made this payment, request for another letter stating that the account is now "Paid in Full". This will help you avoid the remaining balance that was not paid to be sold to another "third party" collection agency.

Good Luck!

Yes, a judgment in NY generally remains valid for 20 years or until paid. It must be, and can easily be, renewed to remain valid for another period.

(I would note that many of the above posters comments are simply wrong and ill informed, perhaps stemming from being seen originally in her commercial context postings trying to entice people to use a service that claims to get rid of debts.....all of which have been identified as scams preying on the vulnerable by every Consumer group I've ever seen).

If the responsibility for the debt belonging to your husband was a part of your documented divorce paperwork, you can basically tell your ex-husband he doesn't have a leg to stand on. If you don't have anything in writing that says your ex-husband, and NOT you, was responsible for the debt, you may be partly responsible financially.

Yes you should have a separation agreement. In most states you must be separated for one year to file for divorce. If you have a separation agreement with your ex which has been notorized and dated, it will make it easier to prove you have been separated for a year. Separation agreements also help in dividing up property if you both agree on what each will get. If you want a quickie divorce it only takes 30 days in some states. Also beware some lawyers will tell you that if you both agree to say that you have been separated for a year and backdate the paperwork,then you can get a divorce immediately. This is a common occurance but be warned if you are not on good terms with your ex, it could come back to bite you! * There are 12 states which require a couple to separate for a specified length of time before filing for divorce. The issue of filing for a dissolution of marriage and the time the divorce is final is often confused with the act of a required separation before a divorce can be filed. In states that require the couple to reside separately before the filing it generally pertains to the interlocutory in relation to a "no-fault" divorce.

(Assuming you are the defendant) If the plaintiff is awarded a judgment against you, and you do not satisfy the judgment in full, the plaintiff may file for a writ of execution on the personal property. The personal property can then be sold at a public sale to help pay for the judgment.