Repossession

if the vehicle had a stereo system in it when u bought it, u have lost the system that was in it when reposessed most state laws say that if an item is "wired","taped"or otherwise "fashioned" to the vehicle it is considered a part of the vehicle and not personal property. so in other words if you wired in a stereo then no you cant get it back. if you have loose items in the vehicle i.e. cloths,papers,trash you can get that back in a certain time frame

• Cars repossessed laws in Canada a vary by provine.Whether your car will be repossessed depends on such factors as the province you live in and how for behind you are with your payments.Vehicle repossessed is negative impact on your credit rating. If you want more information email me at natalsiapatterson34@gmail.com

If it's electric you have to "pop" it from the middle, NOT from where the key lock is.

CAUTION....CAUTIONOne needs to be VERY Careful about USING A slim Jim on some of the Later model cars (not sure if Buick falls in this category) which have air bags in the door panels. I'm told by the local police department that they will no longer do this to unlock a car. Another police department had a policeman killed when he inserted a slim Jim into a car door and hit the air bag mechanisim. The air bag exploded forcing the slim Jim upward through the neck and lower throat of the police officer....KILLING HIM.

Yes it can be dangerous work. Every so often you can have a call where there is some guy that isn't quite willing to give up his vehicle that easily. It also depends on the area of the city you are going into (every city has a "danger zone") in their midst. Marcy -------------------------------------------------------------------------------------------- Been doing it for years and have never fallen into a situation that was life or well being threatening. It comes down to one thing. Not where you are but how you present yourself. Play the Cowboy and get shot or play the nice guy and have people hand you their cars. Y-THINK-Y

They are still going to make you pay the fine.

Indictment is a little different from being arrested "on the spot". A Grand Jury usually will hand down an indictment, where you will later have to appear for formal booking at the police station, unless they come and arrest you. In either case, you would then appear before a Judge for a preliminary hearing, where you could plead guilty, if you wish, but the proceedings generally go through the evidence they have against a person being chaged in the indictment, or at least enough evidence to convince the presiding judge to bind the case over for trial. Also, bail should be set where it is allowable.

Commonly found in account agreements at banks and credit unions, cross collateralization refers to money that is owed to the creditor being "backed" by all or specific other accounts the debtor may hold. An example of this would be a car loan with a bank where the debtor's savings and checking account are used as cross collateral for the car loan. If the debtor fails to pay the car loan, the bank may take funds from the debtor's checking and/or savings account to cover the payment or the loss in addition to any recovery allowed from action against the vehicle itself (such as repossession.

From what I've read (I have the same situation) if there is an "AND/OR" on the title, only one needs to sign. If there is no "and/or" both need to sign.

I just went through the same situation and here in Ohio no they can not. It is breaking the Truth in Lending Act. My husband and I hired a lawyer (pro-bono) and now are in the midst of a huge class action lawsuit against ford.

A title transfer can be done in less than an hour if you are OUTSIDE of Cook County. Sorry...

Be Nice About This. Try To Reach Him Or His Family Or Friends. After All It Is His Car. Do Your Absolute Best To Locate The Buyer. You can See Your County Attorney For The Legal Ramifications Of This

I CALLED LO JACK AND THEY SAID NO. ONLY THE REGISTERED OWNER MAY ACTIVATE LO JACK AFTER CALLING THE POLICE AND MAKING A REPORT.

They cannot keep the car you were attempting to trade.

They can and will take back the car that they were trying to get you financed on.

They would be in possesion of a contract for the sale of a vehicle for a certain amount. If that amount cannot be collected from you in cash or a bank in the form of a loan, then you are in default of payment.

Hourly or commission. You can work in this field for 15+ years and make the same as a guy that just started. Not a recommended "career". Unless you are a "pro" which is difficult status to attain. Can be fun sometimes but for me mostly dealing with automotive engineers that don't want you to put aftermarket product in cars was not a good time...

P.S. Honda and Toyota blow everything away (imo)

Yes sell whatever you can because the bank will auction your car at below the market after they repo it(sometimes way below market)and you get to pay the difference between your TOTAL LOAN AMOUNT including the interest and what they get at auction.

If you sell it for enough money to pay it off and pay it off with that money, you probably can. However if you don't pay it off the lender probably still has the right to repossess it and void the sale, because it did not have a "clear title" when you sold it and the buyer should have known that by reading the title.

I for one would never buy a used car from a private seller that did not have a "clear title" showing that he indeed owned the car without outstanding loan debt on it.

Another option would be to sell it to a car dealer. They will find out from your lender what you owe, reduce the amount they offer you by that amount (if this makes the offer negative they will not buy the car), and then pay off the loan to clear the title so that they can sell it. You are very unlikely to get much this way and they are likely to refuse to buy your car if they find it won't be profitable for them.

Yes, because writing on someone's car that you don't even know who it belongs to is what the government calls "vandalism", or the destruction or alteration of one's property without consent.

Usually through a bank or finance company check with your bank they can probably tell you who to contact also check the yellow pages for vehicle recovery companies

well if you have a clean title with no lien on it, then i say sell the car with that title there should be no problem what so ever. i need to know what happens if i sell a car with a lien on the title (auction car) but the lien does not pertain to me, can the car be successfully transferred to another person ? or what do i have to do to remove this lien ? email me - djhackstyle@hotmail.com

When you finance or lease a vehicle, your creditor holds important rights on the vehicle until you've made the last loan payment or fully paid off your lease obligation. These rights are established by the signed contract and by state law. If your payments are late or you default on your contract in any way, your creditor may have the right to repossess your car.

Talking with Your Creditor

It is easier to try to prevent a vehicle repossession from taking place than to dispute it afterward. Contact your creditor when you realize you'll be late with a payment. Many creditors will work with you if they believe you'll be able to pay soon, even if slightly late.

Sometimes you may be able to negotiate a delay in your payment or a revised schedule of payments. If you reach an agreement to modify your original contract, get it in writing to avoid questions later. Still, your creditor may refuse to accept late payments or make other changes in your contract and may demand that you return the car. By voluntarily agreeing to a repossession, you may reduce your creditor's expenses, which you would be responsible for paying.

Remember that even if you return the car voluntarily, you're responsible for paying any deficiency on your credit or lease contract, and your creditor still may report the late payments and/or repossession on your credit report.

Seizing the Car

In many states, your creditor has legal authority to seize your vehicle as soon as you default on your loan or lease. Because state laws differ, read your contract to find out what constitutes a "default." In most states, failing to make a payment on time or to meet your other contractual responsibilities are considered defaults. In some states, creditors are allowed on your property to seize your car without letting you know in advance.

But creditors aren't usually allowed to "breach the peace" in connection with repossession. In some states, removing your car from a closed garage without your permission may constitute a breach of the peace.

Creditors who breach the peace in seizing your car may have to pay you if they harm you or your property.

A creditor usually can't keep or sell any personal property found inside. State laws also may require your creditor to use reasonable care to prevent others from removing your property from the repossessed car. If you find that your creditor can't account for articles left in your car, talk to an attorney about whether your state offers a right to compensation.

Selling the Car

Once your creditor has repossessed your car, they may decide to sell it in either a public or private sale. In some states, your creditor must let you know what will happen to the car. For example, if a creditor chooses to sell the car at public auction, state law may require that the creditor tells you the date of the sale so that you can attend and participate in the bidding. If the vehicle is to be sold privately, you may have a right to know the date it will be sold.

In either of these circumstances, you may be entitled to buy back the vehicle by paying the full amount you owe, plus any expenses connected with its repossession (such as storage and preparation for sale).

In some states, the law allows you to reinstate your contract by paying the amount you owe, as well as repossession and related expenses (such as attorney fees). If you reclaim your car, you must make your payments on time and meet the terms of your reinstated or renegotiated contract to avoid another repossession.

The creditor must sell a repossessed car in a "commercially reasonable manner" - according to standard custom in a particular business or an established market. The sale price might not be the highest possible price - or even what you may consider a good price. But a sale price far below fair market value may indicate that the sale was not commercially reasonable.

Paying the Deficiency

A deficiency is any amount you still owe on your contract after your creditor sells the vehicle and applies the amount received to your unpaid obligation. For example, if you owe $2,500 on the car and your creditor sells the car for $1,500, the deficiency is $1,000 plus any other fees you owe under the contract, such as those related to the repossession and early termination of your lease or early payoff of your financing.

In most states, a creditor who has followed the proper procedures for repossession and sale is allowed to sue you for a deficiency judgment to collect the remaining amount owed on your credit or lease contract.

Depending on your state's law and other factors, if you are sued for a deficiency judgment, you should be notified of the date of the court hearing. This may be your only opportunity to present any legal defense.

If your creditor breached the peace when seizing the vehicle or failed to sell the car in a commercially reasonable manner, you may have a legal defense against a deficiency judgment. An attorney will be able to tell you whether you have grounds to contest a deficiency judgment.

Remember this repossession will stay on your credit for 7 years.

Cowtown Sleepers can make a sleeper cab for any truck out there.

Try the VW Jetta TDI model 2000 through 2004. This is a computer controlled Turbo Diesel with Intercooler European solid build sedan. 40 MPG for me. Max torque at the low end. Unstoppable going up hills. Doesnt bog down at all, and you dont need a "running start" before going uphill. The turbo sucks in as much air as required. I typically go up big interstate hills at 80 mph daily on the way to work, VW will have PASSAT TDI in SPRING SUMMER 2004. This is a bigger sedan that I think you might like more than the smaller sedan Jetta.

Models 2002-2004 have an 80-85K timing belt change interval 2000-2001 are good by they want you to chane 45K miles. They redesigned the pulleys/belts on the newer models.

Agreed, the Jet ta is a great vehicle. However you did not say whether your hilly terrain is on or off road. In my own experience ie..4 mile gravel, off camber, pothole ridden, drive to the house. The Subaru Outback is great.

I would have to say, the Land Rovers are fairly expensive, but are the greatest car you could ever buy for hilly terrain

Other

A Chrysler vehicle... (jeep, dodge or Chrysler) They go through bad terrain like there on a smooth road! I don't agree on the Jet ta because its a sedan and I've test driven one and its not very nice...

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The VW Jetta? No! The above this one is completely right. Go for a jeep or even a Range Rover if you can afford one. I have a Jeep Grand Cherokee and I bought it new for $42,000. Great Car with huge Engine and Very Great Off road, on Ice/snow or just hilly Terrain. I drive My jeep in snow the same speed that I drive when its dry out. Doesn't slip or slide

In Mississippi the plates remain with the car. You need to call the bank. They will give them to you most likely.

File a stolen report and sue the lender in court.They do not have a right to your plates nor your personal propery.SUE THE BANK/LENDER NOT THE REPO MORON !!!

You should Report The Plates Stolen and if someone gets cought with them That will be on the bank or the person that lent them out

In Georgia the plates are to be returned to the debtor. they dont stay with the car anymore