Repossession

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.

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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

Nothing unless you have a written agreement that any problems that occur within the first however long will be fixed by the seller. Normally if a person buys a car from a private owner they should get a mechanic to make sure everything checks out fine, because cars purchased from a private owner is usually not under warranty.

this is a good that is excludable and rivalrous

Wave goodbye to the car and all its contents. Oh! You can remove your children and pets, I almost forgot. * The lender must send the borrower a "Right To Cure" notice twenty days before initiating repossession methods. The exceptions to the law are, "skips", leased vehicles, lack of insurance coverage on vehicle, or the vehicle is in the possession of a third party. The repossession must be done without constituting a breach of peace as defined under Colorado law (vehicle cannot be removed from a garage or other private building locked or unlocked, vehicle cannot be removed from posted property or by means of removing a lock or other device upon a gated area, and so forth).

Assuming you mean the valet damaged the vehicle, then yes, certainly. You can sue the employee, the valet company, the place that hired the valet company, and anybody else who might be standing around. You would have the burden of proving the damage was caused by the valet, that they had a duty to use reasonable care, that the damage was the result of failure to use reasonable care, and what the damage cost you to have repaired.

They will defend by saying there is no proof the damage wasn't already there, no proof they cause the damage, no proof they had any obligation of care, and so forth. If you're lucky, they may attempt to assert an illegal and unenforceable "waiver" or release of liability, often printed in small font on the back of a claim check. In many states, this will allow you to collect for triple damage and lawyers' fees because it is an "unfair and deceptive business practice" to assert an unenforceable waiver.

Yes. That's why the credit union has possession of the title. If you used the car as collateral for a loan and default on the loan the lender will take possession of the car and sell it to offset what you owe on the loan.

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It is not legal to hide a vehicle from repossession! Regardless of your intent, you are obligated by contract, and by law, to turn over the vehicle. Charges could be filed against you and additional out of pocket expenses incurred along with criminal charges. Please consult with the attorney generals office consumer protection in your state regarding said actions, your rights, and criminal penalties. Most states have concealment laws which could land you in jail or paying a hefty fine or both. Finance companies have not really pursued this avenue due to public perception. With the costs of vehicles rising, you can rest assured the day is coming. They have to protect their investments. If you cannot afford the car, give it back. You cannot afford an attorney either to defend you in court if you are the "new example." I am in this business and you're not going to get any better information. If you cannot pay, you don't deserve to ride for free. You do have a signed contract that you cannot fulfill. Go buy a cheaper car that you can afford and you won't have to worry about the repoman showing up at your door. Unless there is a court order (and you would be informed by certified mail if there was) then IT IS TOTALLY LEGAL TO HIDE YOUR CAR. You see most repossessions occur prior to court action. Most contracts allow repossession upon default of a car payment. In some cases even a day late can cause such action though in practice its closer to 60 days when an account is declared in default. Most people who do hide their cars do so after not making a payment for a couple of months. By now the finance company or bank that did the finance deal is trying to contact the person several times a day at least in most cases. Hiding a car is only concealment when a person has been informed there is a court order. In many cases even when the financer does get in touch with the person owing the money for the car does not even mention their intent to repossess in so the person is caught off guard. Still repossessions occur sometimes in the middle of the night at a person's home but more and more of them happen at a person's place of work. Hey the bank knows where the person works because its on their application. Hiding it out of state at a friend's or relative's residence in a locked garage in a gated community is your best bet. This way they cant get the car even if they find out where it is on a standard repossession. At this point they would go to court and get a sherriff department to do it. You should only hide the car if you think you will be able to make the loan current within a couple months. Otherwise it only bides time till the inevitable happens. " IT IS TOTALLY LEGAL TO HIDE YOUR CAR." Not true, in some states, such as Georgia, there are code sections for "Concelement of property subject to security interest" that can be enforced, and it doesn't require court action to have this enforced, except for the lienholder, or their representatives testimony to the magistrate judge during the warrant application process. With this in mind, I hardly think the statement of " IT IS TOTALLY LEGAL TO HIDE YOUR CAR." is correct, and I truly think it is bad advice. But whoever wrote that is probably just trying to get someone in trouble. If it isn't paid off, it is not yours, and the lienholder has various avenues of legal methods to take it back, simple as that. Keep in mind, in some states, such as Georgia, there are code sections for "Concelement of property subject to security interest" that can be enforced, and it doesn't require court action to have this enforced, except for the lienholder, or their representatives testimony to the magistrate judge during the warrant application process. With this in mind, I hardly think the statement of " IT IS TOTALLY LEGAL TO HIDE YOUR CAR." is correct, and I truly think it is bad advice. But whoever wrote that is probably just trying to get someone in trouble. If it isn't paid off, it is not yours, and the lienholder has various avenues of legal methods to take it back, simple as that. It is legal to "hide" your car from the repo man.He has no legal rights to come on your property and remove your car only beccause the lender gave him a contract to pick up the vehicle. If the lender goes to court and gets a "Writ of Replevin", then a "Writ" will be issued to the Sheriff's office. At that time, the repo man will come to your house with a Sheriff's officer who will have the "Writ" and at that time, and only at that time you will have to surrender the vehicle. The "Writ of Replevin" is issued by a judge and is a court order. You will have to abide by that, otherwise, you are in contempt of a court order and can be arrested. If there is no court order, the repo man has NO rights, and you do NOT have to let them take your car. I think you should try a search on concealing mortgaged property and then try answering. As far as coming onto your property take a good look at your contract you signed and read the part about you giving permission to enter upon your premises for the purpose of taking your car. Hide and seek is the game you are playing and you can never hide forever I work in law enforcement in NJ, and the only way a vehicle can be taken is by a "Writ of Replevin", that is, if you refuse to turn the vehicle over in hopes that you can catch up on the payments. If you do answer the door, in which there is NO law that states you must answer, you can refuse to answer any questions and shut the door. If you tell the "repo" to leave your premises, he must do so. If he does refuse, you can have him arrested for second degree Criminal Trespass. In NJ, they cannot remove a vehicle blocking the vehicle in question, cannot break in to a locked and/or secured building, touch or threaten you in any way. If the police are called, they cannot force you to surrender the vehicle either. Their presense is only to "keep the peace". They will tell the "repo" man to leave the property and not to return, unless it is with a court order and a Sheriff's officer. The "repo" man refuses, then he will be arrested. Simple as that. Remember, the "repo" man is a tow driver, not a law enforcement officer. He cannot make you do anything. It really is a civil matter. But if a court order is issued, you have no choice. You must at that time surrender the vehicle.

The hazard flasher unit is located under the LH side of the instrument panel between the junction block and the brake pedal.

Missouri does not require a title or registration for a tow dolly.

Here is the answer to this question, although it was asked previously. (My responses are in parenthesis as I am sure that this was copied from another site, as there is a lot of missing common sense)

Here are some tips to consider before you start, when you're at the car repair shop, and after the car repair.

Read your owner's manual to become familiar with your vehicle and follow the manufacturer's suggested service schedule. (Don't always trust the owner's manual or manufacturer, people that work on the cars for a living can sometimes advise you more accurately regarding your car-if you have an experienced place)

Start shopping for a repair facility before you need one; you can make better decisions when you are not rushed or in a panic.

Ask friends and associates for their recommendations. Even in this high-tech era, old-fashioned word-of-mouth reputation is still valuable. (but consider the source)

Check with your local consumer organization regarding the reputation of the shop in question. (This is is not always reliable)

If possible, arrange for alternate transportation in advance so you will not feel forced to choose a facility solely on the basis of location.

Once you choose a repair shop, start off with a minor job; if you are pleased, trust them with more complicated repairs later. (This is a lot like saying, if you cut my grass nice, you can put an addition on my house-does this make sense?)

Look for a neat, well-organized facility, with vehicles in the parking lot equal in value to your own (hopfully those kind of cars will be there that day) and modern equipment (do you have any Idea what modern equipment is?) in the service bays.

Professionally run establishments will have a courteous, helpful staff (especially the ones that are trained to build a relationship to get your trust aka money). The service writer should be willing to answer all of your questions.

Feel free to ask for the names of a few customers. Call them. (do you think they will give the people they have a problem with or the ones they don't?)

All policies (labor rates, guarantees, methods of payment, etc.) should be posted and/or explained to your satisfaction.

Ask if the shop customarily handles your vehicle make and model. Some facilities specialize. (Any truley good mechanic can handle most any vehicle if they are willing to)

Ask if the shop usually does your type of repair, especially if you need major work. (do you know what major work means?)

Look for signs of professionalism in the customer service area: civic and community service awards, membership in the Better Business Bureau, AAA-Approved Auto Repair status, customer service awards. (Does this make them a better mechanic or a better marketer?)

Look for evidence of qualified technicians, such as trade school diplomas, certificates of advanced course work, and ASE certifications - a national standard of technician competence. ( I have hired technicians with arm's length of diploma and certicfications that don't know jack, don't care about your car and don't car about me or you, conversly there are techs that are very impressive that have none of the above. Don't judge a book my it's cover.)

The backbone of any shop is the competence of the technicians. (True, this is a key ingredient, but the culture extended from the ownership to do the job right and do it honestly is the real backbone)

Keep good records; keep all paperwork. (If the shop is up to speed and honest, they will have everything you do on file and can remember a warrantied part much better than you, especially if you are loyal to them)

Reward good service with repeat business. It is mutually beneficial to you and the shop owner to establish a relationship. (but on occasion get a 2nd opinion to keep them on their toes and tell them that is why you did it)

If the service was not all you expected, don't rush to another shop. Discuss the problem with the service manager or owner. Give the business a chance to resolve the problem. Reputable shops value customer feedback and will make a sincere effort to keep your business. (communication is a key if they are in the wrong they will take care of it, if they aren't they may still, but be sure you understand how a problem came about)

(I added my comments as a person in the auto repair industry. I understand a lot of aspects about it and think it is important to help open up eyes to helping you understand more. Like any industry there are those that want to take advantage of you, and then there are those that want to do their job to the best of their ability and get compensated for it. Many confuse honesty with low price. It is expensive and time consuming to really know your stuff and operate a repair facility. You can have two of three things, but not all three: 1)honesty, 2) cheap, 3) Quality

If you signed promissory note using the car as security, then yes, they can repossess your car. You need to ask to see the promissory note that "they" have, if you didn't sign a loan using the car as security --Verify that it is your signature and if it is, then you need to prove you have made the payments. Gather all your cancelled checks or all your bank statements that show the car payment went thru every month for the same amount, at the same time. Work with these people--if the loan is yours own up to it and make it good before the car is repossessed as this will show up on your credit. This repo will haunt you for a long time especially when you need to get a car loan. Good Luck!

Contact the bank for the payoff amount. Send them that amount and they will send the title. You can then transfer the title to the new owner.

It is a 1:28th scale remote controlled car that can be upgraded with packages from RadioShack or using aftermarket upgrades.

There is a piece within the shift control called the Tachometer which messure the rpm the car is using. This will contorl what type of speed the car can hit. If during the time that your are shifting from 4-5 this has the rpms over 3000 sometimes a car needs to take a seconcd to pass the redline in the tachometer to ensure the car engine doens't blow out or what is called over heat. If you experience these problems often it could mean a serious malfunction under the hood!

The landlord refuses to return personal property until the balance of his rent has been paid. 3 months have passed.