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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 to do if you purchased a vehicle from a private owner and the vehicle breaks down within one week?

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.

What are the vehicle repossession laws in Colorado?

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).

Can you sue the valet company who parked your car?

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.

Can credit union hold title on car if car used as collateral and loan is default?

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.

Is everything you can download with i tunes free?

no, most songs on itunes are 99 cents. most podcasts are free. movies can be more expensive depending on if you rent or purchase them.

What can happen if you hide a vehicle from the repossession agent?

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.

Can you repair a totaled car?

keep in mind that "total loss" only means that it costs more to repair your car than it is worth on the market. that 89 beretta that you had since highschool is probably a total loss from a monatary standpoint. but can it be fixed? of course it can. my wife had an 85 Buick skylark (x-car) that she thought was the greatest thing since sliced bread. we had over 6000 dollars in this 1200 dollar car(at the time) before she finally listened to me when i told her i could not do any more for this car. the rear shock towers were banging against the 1/4 panels. another example is my mother-in-laws 91 lesabre. she had a fender bender, got screwed by the insurance company, i ended up painting her car for 1700 dollars. o, don't it look pretty. 5 years later, her suspension has given up the ghost. it needs new springs, struts, etc. at that time, i told her it would cost about 2000 to fix the car, & she should consider getting a new one. she went ballistic. i ended up fixing her car & ate the labor. some things you do for family.

Sure, if you have the tools and training, and get yourself a Factory Service Manual as well.

yes, just make sure u know how to fix everything or take it somewhere that does... it takes money

it is hard to do because usually they mark it as "totaled" since it is not worth the money to fix it..it canbe repaired, anything can be

in Canada its called branded and that is what sneeky car dealers do . get these cars and put them back on the road buy getting mechs to sign papers that says its good to go . but in fact most of these cars are damage in the frame and do not handle good any more and are unsafe to drive , that's why it was takin off the road . would i trust a car like that , not in the world , a bone yard car is good for scrAP .

In Most States a car that has been declared totaled by an insurance company cannot be legally repaired and put on the road. You'll find most of these cars are purchased by used car dealers that ship them across US borders to Mexico and Canada where they are repaired (If that's what you want to call it) and sold to un-suspecting motorists.

HI! BOSSONE! HERE! YOU CAN FIX IT WITHOUT GOING TO THE SHOP BUT YOU MUST HAVE THE RIGHT TOOL S AND A PLACE WHERE CAN GET DOWN & DIRTY!

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Keep this in mind that anytime you repair/restore a vehicle that has been totaled by the insurance company. When you apply for a new title it will get what is referred to as a SALVAGE Title. This means the title must state that the vehicle has been salvaged from a total loss. You cannot sell it as a normally repaired wreck.

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In some states, once a vehicle has been declared a total loss by the insurance company the state motor vehicle department is notified and that's that. The VIN is recorded as a total loss and the vehicle may only be used for parts for other vehicles. In some states it is permissable to reconstruct a total loss, but the vehicle is titled as rebuilt from junk. You just need to contact your state's department that handles title and tags and ask them.

Usually a vehicle is totaled when the cost of repair reaches 80% of value or amount owed on lien.

It is not necessarily that the vehicle damage is more than what the car is worth but can be "totaled" because the frame or substructure of the car is damaged beyond repair. And if repaired, it would not meet the original safety requirements of the vehicle.

It is not always a monetary thing.

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TOTAL LOST can be fix but there is not going to allow to run on the road, you have to export the vehicle out of the US

REBUILD SALVAGE TITLE can be fix and they are allow to stay in the us but before you can get a title it will need to be inspect

Do you need title for car dolly?

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

How do you choose an auto repair shop?

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

Is a 1995 Eagle Talon a dependable car?

So far my eagle with a 420a, is very easy to work on.. I've replaced the cylinder head, and belts and idle pulley, .. should go another 100,000 it's at 265,000 now. It's idleing high now and the fans don't work after sitting for over a year.. I'd say the car is a keeper...

The 95 Eagle Talon ranks a 5 on the repair list. On a scale of 1 to 5, while 1 being the easiest to repair, 5 is the hardest. They are great cars but a B*tch to work on...

AnswerIt all depends of how well it was taken care of prior to your owning it. This is the same answer to any car with the same question. AnswerIf you can make repairs yourself. Otherwise, it will cost a lot of money to have a shop replace things like the alternator, starter, timing belt (must be done at least every 60,000 miles) AnswerIt depends on which one you're looking at. a 95 Eagle Talon ESi wont be a car that is too expensive to work on, I've worked on my ESi only a couple of times since I've owned it, and nothing major, just suspension and an alternator belt. The ESi's 420A engine is a common engine so there are a lot of parts at pick and pulls for it.

The TSi however is a car that is usually found as an AWD Turbo, which alone says that it probably has been bagged. It's not that the car itself is unreliable, because it's an amazing car, the 4G63T engine in it is ranked the #1 inline 4 engine in the world along with the SR20DET, it's the same engine in the Mitsubishi Evolution, it's just that these cars have most likely not been taken care of, they've been raced hard, redlined etc, it's hard to find one that hasn't.

If you are looking at a TSi, make sure the person you're buying it from has kept records of when things like the timing belt have been done.

Can they repossess your car if you have the title with no lien holder?

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!

How do you sell a car you still owe money on and the bank is not local and the buyer is paying cash?

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.

What is an Xmod?

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

Why does car shutter when shifting from 4 to 5 gear?

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!

What is the law on personal property landlord refuse to give back?

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

Can a bank repossess your vehicle if your payment is only 2 weeks late?

IF you are in DEFAULT, the lender can repo meaning "1". If being 2 wks late puts you in default of your contract, then you better clean your ride out.

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What are the laws about repossession when payments are current?

This is one question that I had to get the answer to recently, and with the quickness! I learned that the laws governing the rules of repossession vary from state to state. You will need to look up the laws to find out your states terms and conditions. The lending bank's state of origin does not matter, it depends solely on the state the vehicle is registered in. Massachusetts requires

Can you return camper to dealer?

For a refund? NO! This type purchase does not qualify under the Cooling Off Period Law.

For a refund? NO! This type purchase does not qualify under the Cooling Off Period Law.

What can you do if you bought a car with the mileage turned back in California?

Call your State Attorney General immediately. The law does not take odometer rollback's lightly.

What is wrong My 2000 Kia Sportage is sputtering the check engine code says cylinder 2 misfire what should I replace?

Start by replacing the spark plugs. If that does not fix it, replace the plug wires. If that does not solve the problem have a compression test run. You could have a burnt valve. Also if the car is overheating or loosing coolant, you may have a blown head gasket. more than likey it's your fuel injector on the cylinder #2

If you cannot repay a car title pawn can you be put in jail?

Depends on several things..... such as

1. what state the loan / pawn was taken out in

2. ammount that the debtor is delinquent

3. the company

4. the paperwork and its " clauses " that most dont bother to read just to get a check and haul @$$....

For example Georgia and South Carolina have laws pertaining to " Security Intrest Fraud" I am going to attach word for word what the law states and can be found by google searching " Georgia Security Interest Fraud "

Security Intrest = A Lien Holder Stated on a title after pawning / borrowing money against the title provided by the state for that particular automobile.

1-22 (b) A person who destroys, removes, conceals, encumbers,

1-23 transfers, or otherwise deals with property subject to a

1-24 security interest exceeding $500.00 with intent to hinder

1-25 enforcement of that security interest and in so doing does

1-26 damage to such property in an amount greater than $500.00

1-27 shall be guilty of a misdemeanor of a high and aggravated

1-28 nature felony punishable upon conviction by imprisonment

1-29 for not less than one nor more than ten years.

1-30 (c) In a prosecution under this Code section the crime

1-31 shall be considered as having been committed in any county

1-32 where any act in furtherance of the criminal scheme was

1-33 done or caused to be done."

So for all the smart people who think hiding, stripping, or telling the REPO man in georgia or south carolina you aint taking my car, is only asking to take themselves to the local detention center....... think twice before you go hide it b/c it might cost you alot more then some sore spirit / pride

Charlie

Premier Recovery

Augusta Ga

Are you responsible for a car after you sell it?

In all 50 states cars that are sold privately are sold "as is." It's up to the buyer to check out the vehicle. The seller is under no obligation to do anything once the transaction is complete.