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What do you do if your car was repossessed but there was no breach of contract and you are ahead on payments?

What do you do if your car was repossessed but there was no breach of contract and you are ahead on payments?
  1. What are the repossession laws in Georgia?
  2. What are the repossession laws in Florida?
  3. Can you dispute a voluntary repossession?
  4. What are the repossession laws in Missouri?
  5. Can a car be repossessed without a court order?
  6. Can you go to jail for hiding a car from repossession in Georgia?
  7. Do you still have to pay for a repossessed car?
  8. Can car be repossessed after charge off?
  9. How do I get my repossessed car back in Florida?
  10. What is a 609 letter?
  11. Can a credit repair company remove a repo?
  12. What happens if they never repo your car?
  13. What is a notice of right to cure default?
  14. How does car repossession work in Missouri?

What are the repossession laws in Georgia?

Under Georgia state law, if you are late on your car payments or have defaulted on your lease or finance contract for your car, the creditor has the right to repossess the car, sell it and then possibly sue you for the rest of the debt.

What are the repossession laws in Florida?

When can a creditor seize a vehicle? Generally, your creditor has legal authority to seize your car as soon as you default on your loan. Once you are in default, your creditor may repossess your car at any time without prior notice and may come onto your property to do so.

Can you dispute a voluntary repossession?

There are a couple of things you can do to try to remove one: Negotiate with your lender: Your lender loses money when they repossess. ... File a dispute: If you go through your credit reports and see anything reported inaccurately about your repossession, you can dispute it with the credit bureaus.

What are the repossession laws in Missouri?

First, unless the borrower has defaulted twice before on the same loan, a lender cannot legally repossess a car without first giving the borrower and co-signers a default notice at least 20 days before repossessing the car. Payment on the car loan must be at least 10 days late before a default notice may be given.

Can a car be repossessed without a court order?

In the absence of a court order, the only other way that moveable assets – such as vehicles – can be repossessed is if the customers voluntarily give the property back to the bank by signing a voluntary termination notice, she said.

Can you go to jail for hiding a car from repossession in Georgia?

It is possible to be arrested if you hide a car from repo. A civil action can be taken against you in a court. In Georgia, O.C.G.A. 16-9-51 “Hiding, encumbering or endangering property subject to security interest……..” is a misdemeanor charge.

Do you still have to pay for a repossessed car?

Giving Your Car Back Voluntarily:

Doing so is called voluntary repossession. The main benefit is that you don't have to reimburse the lender for the costs of repossessing the car. However you may still have to pay the lender for the costs of storing and selling it.

Can car be repossessed after charge off?

Getting a car loan charged off doesn't eliminate your obligation to pay the debt. It also doesn't prevent a repossession. Once a car loan is charged off by the original creditor, you'll likely be dealing with a collection agency or debt collector.

How do I get my repossessed car back in Florida?

Even after your car has been repossessed in Florida, you still have options available to you. You can redeem your car, reaffirm your car loan, or surrender your car. Car redemption: This is an option if you have money at your disposal. You can call the car lender and offer to pay a lump sum to get the car back.

What is a 609 letter?

A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It's named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices.

Can a credit repair company remove a repo?

Credit Repair May Be Able to Remove a Repossession Early

While credit repair is hardly a guarantee, filing a credit report dispute may allow you to remove an erroneous or unsubstantiated repossession mark from your credit report.

What happens if they never repo your car?

WHAT IF THE LENDER DOESN'T REPOSSESS YOUR CAR? This means that: You are stuck with it – if the lender doesn't come to pick up the car. You can't sell it – because the lender still has the lien, and selling it would be committing a theft.

What is a notice of right to cure default?

If you are behind in mortgage payments you are in “default.” If you pay the bank all the payments you missed, you can “cure the default”. The bank must send you a notice that says you have the right to pay the money you owe. ... This notice is called a Right to Cure Notice.

How does car repossession work in Missouri?

Under Missouri law, the lender must send the borrower a "Notice of Default and Right to Cure" before attempting to repossess the motor vehicle, but the timing is quite specific. ... When it does send the notice, it must give the borrower at least 20 days to "cure the default," or pay the amount owed.

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