Repossession

Apparently they went to court and won a judgment and you must not have been there. Could it be your sales contract allowed them to do that ?

The process of a repossesion is that the lender will sell this through an auction. The remaining balance that is owed will be your full responsibility. The option that you have is to save all that you can (while saving do not contact nor speak to a representative from this repossesion), and settle for 30% (no more) of the balance that is owed. Make sure that if they accept this settlement, you get everything in writing first before making that settlement payment. Then once you make that payment request for another letter stating that the account is "Settled in Full". You will want to update your credit report with a letter of explanation, and a copy of this statement in order for your credit to reveal this information. Keep in mind, that it would cost the lender or collection agency more money to sue you, then just wait for you to contact them. They do not have the time to take every customer that has had a repossesion to court. Don't worry about this debt, just save 30% of the balance that you owe, and settle. Good Luck with this process. Wanda Improve Credit, LLC

The idea that the very well experienced and strong financial community is simply unable to enforce and collect debts...and would give away much of anything because you ask...should seem absurd to even the casual reader. (I would note that I believe many of the above posters comments I've seen 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 or reduce debts.....all of which have been identified as scams preying on the vulnerable by most every Consumer group I've ever seen).

No chance, that car more than likely has been sold to in an auction.

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Yes. If you are recieveing phone calls or lettters in the mail wait until you have saved at least 30% of the balance that is owed, and settle with this company. Make sure you get everything in writing before making this final payment. Wanda Improve Credit, LLC

Not normally. They can however file a non wage garn and get your taxes when you deposit them into your checking or savings account. Usually only, government and state can withhold your taxes...i.e. back taxes, child support, student loans etc...

Absolutely they do. The only way you have any right is to buy it yourself with no co signer. I know nobody likes to hear this, but if you need a co signer, THEY have a vested interest in how things go too. They actually stand to lose more than you if you mess up. Oh, and by the way, even if you DO buy the car all on your own other people can STILL take it away for what you may deem no good reason, i.e. Police officers, State officials, Loan officers, Collection agents. Your parents did you a favor by risking their credit to co sign on that vehicle. They can do pretty much anything they want as long as they feel it is in everyones best interest. You should be grateful that they did you that favor and HONOR their wishes by being more appreciative of them. LEGALLY, your parent can only do something if you do not make payments. Their only function in this case is to make the payments if you fail to. Even if this happens, they would have to go to court and show that you were not paying before they took the car. They accepted the risk of being a co-signer and it is a risk. This does not give them the right to take the car because you do something they do not like. They may have other "rights" if you are under 18 and still living with them, but you are the "owner" of the car. The lender, bank, credit union, whatever, only has a claim after you have failed to make the scheduled payments and a judge has said so.

No, unless the co-signer was also part of the bankruptcy process. If not, then no the co-signer would have to be responsible for this debt. Wanda Improve Credit, LLC

Your pocket:

Investors like when you've put your own money into it. It show dedication and that you're serious. Investors also want to be a part of something that is about to take off. That prediction is hard to make, with nothing to show and a great idea is not sufficient, especially with no established track record.

And then there's banks, family & friends and co-signing, but I don't recommend that. The banks will try to suck you dry and mixing business with friendship is not always such a great idea.

Absolutely. Eventually, you will have to take care of it anyways, and there is a chance that they may be able to help you get caught up.

Most likely yes, in a small claims court - if the amount is low enought. You need a lawyer to go above the small claims court and the defendant needs some assets if you hope to collect your money and the lawyer fees.

Iraq

"Bushing" is an unfair lending practice in which a car dealer "pre-approves" a customer, sells him or her a car, but keeps the right to terminate the deal after consumer financing falls through (or is not even applied for). If it has taken more than a few days, the customer will have already become attached to the new car, forfeited the trade-in vehicle, and so on, putting the customer in a poor negotiating position on a new, high-interest financing "deal" that is the only way to keep the car.

Since passage of the "anti-bushing law" in the state of Washington, the original deal must be financed within three days or the sale is automatically void, and the car must be returned, giving the customer the chance to walk away from a worse financing charge.

In other words, the dealer has no incentive to stall the financing because there is risk of a fine, and possible damages. However, courts have held that if the dealer attempted to finance the loan at six banks (in good faith) and didn't notify the customer within 3 days that a higher financing term would be due, then it was not intentional "bushing" and there are no damages.

yes. if you dont have the money to pay for the vehicle, they go after the next person responsible which is the person that co signed for you

It varies bank to bank and also depends on your credit history and history with that lending institution. If you keep the communication lines open they will wait but only if you don't break any promises you make to them. If I had to give a time range I would say that an aggresive bank would begin repo when you hit the 90 day delinquent mark and a lenient bank would wait another 30-60 days later.

From what I gather, it depends on the position u want to apply for. If u start at the bottom, a Teller, then there is not much requirment. Some say u dont need a degree some say u do. Plus from a teller u can work ur way up. But it u want to jump ahead of that, then u do need a degree. A degree in what, I'm not sure.

yes this goes on your history report

Seems pointless to even consider. If the primary signer didn't have enough funds to make the car payments, they probably will not have enough funds to pay any lawsuit you charge them with. Fact is, if the primary signer defaulted on payments, then the cosigner would be responsible for making them - If repossession occured, then it was due to the fault of the cosigner .. can't sue yourself.

I am a repo-Woman. If you purchased your car from a car lot, the car lot keeps a copy to the keys in case they need to reposess the car in the future when you dont pay. The repo-person can also get a key to the car from a dealer, such as GMC, etc. Or they can have a blank key, that accesses any car. If they dont have a key, they can tow it without a key. Pay for your car and you dont have to worry about it, :O)

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A repossession will be reported by your bank to the credit bureaus after your car has been repossessed. Obviously this will drastically lower your credit score if you owed a lot of money and if it was recent.

The best thing you can do is contact your bank, especially if you have a good relationship with them and try to work out a deal. If any amount is owed you can use that as a bargaining chip to have them remove the negative listing upon payment. If nothing is owed, they just took your car you don't have much to negotiate with.

You can also dispute the repossession to the credit bureaus. You send a dispute letter to them asking for verification on the repossession. They must investigate the item with your bank. If it isn't verified with in 30 days it must be removed from your credit reports. The older the item the better chance of it coming off.

Who ever leaves the home and does not come back is considered to have been the person who abandoned the remaining partner regardless of the reason...Sorry

Information only comes off the credit report when the original creditor who reported the information requests the credit bureau to remove it, or if the credit bureau removes it after they have made the attempt to contact the creditor to request them to remove it and the creditor fails to respond. If the creditor cannot be located which is another way they may fail to respond, the credit bureau may remove it after a period of time. In all cases, you the consumer must initiate the process to contest the information in writing. Because the credit bureau customers are the creditors and not you, the credit bureau will only make changes when their customers (the creditors) ask them to. The creditors all pay annual fees to the credit bureaus to be a member and have the ability to put payment history information into your credit file. That's why the consumer must contest the information, then force the credit bureaus to validate and confirm the information with their customer first, then take the appropriate action once they get a response or fail to get a response.

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