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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Elena_83
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Subject: filing chapter 13 bankruptcy to get back repoed car
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Tue Sep 22, 2009 11:31 am
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Whoever has advised you regarding filing a chapter 13 bankruptcy, has told you the right thing. Chapter 13 bankruptcy states that the court gives you time between 3-5 years depending on your income to to pay off your debt through prepare a repayment plan . When you file a chapter 13 bankruptcy, mention all your debts along with the car debt. Remember to inform your car creditor about that. Now that you have the car included in your repayment plan, they have to give it back to you.
Filing bankruptcy should do the trick for you. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Wed Sep 23, 2009 2:04 am
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| I would be calling as soon as possible to get the vehicle back, as mentioned above you have the repayment plan in place so the car should be in your possession. |
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csavon97
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Subject: Vehicle charge off
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Tue Oct 13, 2009 2:06 pm
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Hi,
I filed bankruptcy in 2001 and my vehicle loan was shown as a charge off on my credit report all though I had only put 2 past due payments in the bankruptcy. The charge off no longer shows on my credit report and I was wondering if I would ever be able to get the title. |
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Help
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Subject: Auto mobile charge-off
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Fri Nov 06, 2009 1:18 am
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My car was just charged off in august and I was not notified. i only found out in september. i have continued to make payments on time and i ahve not treceived any phone calls or letters. according to the finance company they said they charged the debt off 3 days prior to reciept of a partial payment that was owed via quick collect and 18 day before the full payment to bring the account current was made. They did not send registered mail nor regular mail to infrom me. last i spoke to the lender i was told to continue to try to catch up and they could not promise me that there would not be an attempt to reposess. When i called to provide them with the mtn# of the final catch up payment, i was informed that the debt was charged off.
like i said they accepted the money and i have no problem continuing to pay. what can i do?
In my case, my job requires that i maintain my credit and right now if i can not recind this charge off order, i am endager of losing my job. please advise. Thanks |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Fri Nov 06, 2009 1:36 am
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Do you still have the car? Did they come and reposses it? Seems odd that they would charge it off, accept your payments and still let you keep the vehicle.
I would say to file a dispute on the charge off, call them back and tell them that you plan to get the attorney generals office involved because they have accepted payment but have still went through with a charge off. Maybe then they will be more cooperative. |
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mdriver22
Joined: 01 Dec 2009
mdriver22's page
Posts: 3
26 Magic Points
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Subject: Charge off Auto Loan
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Tue Dec 01, 2009 7:51 pm
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| I consign for my ex a auto loan and they made me the primary because my income. She stop making payment and i think i repo and sold it. I never recieved anything but it a charge off on my credit for 10k now I trying to figure out my best option for this. |
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REANIE
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Sun Dec 13, 2009 7:49 pm
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| If my truck is showing charged off on my credit report can the dealer still repo it ? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Sun Dec 13, 2009 11:41 pm
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I believe that they will probably sell the debt to another collector so they can get some of their money back, the collector will then come after you for the debt.
Usually in a charge off situation that is what happens. |
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decarlos
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Subject: charged off
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Sat Dec 19, 2009 1:13 am
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| my truck was charged off last nov.2009 after i havent made any payments in about two years..i havent drove it since because i was worried about repo..should i feel comfortable driving know |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Sat Dec 19, 2009 6:43 am
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Hi Decarlos,
I don't think it should be a problem to drive it. Anyways are you aware of the SOL in your state? It is the time period that the creditors have to sue a debtor. If the SOL passes then they cannot sue you anymore. If it does not then you can try to settle the debt with the collection agency and ask them to remove the negative listing by sending a pay for delete letter.
_________________
All the Best 
Justin |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sat Dec 19, 2009 2:40 pm
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| you probaly could drive it but if you want to keep the vehicle with outh the worries of having it taken from you I would try to get the debt settled. Ican not imagine why the original lender never tried to repo and get some of their money but this is probaly to your advantage since you can still run it. Do you know what you owed on it when you stopped making payments? Try pulling your credit record and see what the listing has on it for amount owed. You should be able to settle it for up to half of what is listed. |
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Informed
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Subject: Repo
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Sun Jan 10, 2010 12:59 pm
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A finance company can continue to try to repo their vehicle for as long as you have not paid. They can try to repo it if it has been charged off.
The finance company does not have to notify you of the charge off. In some states they do not have to send you a notice of intent to repo before trying to repo the vehicle. |
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angie
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Subject: auto charge of
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Sat Jan 23, 2010 2:41 pm
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| I filed a chapter 13 bankruptcy and included my car and when I got a copy of my credit report it show charged off so where are payments going. |
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erica
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Subject: dealer is trying to reposses even though they have released
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Fri Mar 12, 2010 9:44 pm
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| i bought a van a couple of months ago at a buy here pay here dealership. in two payments i paid the van, i was 2 weeks late but paid in full. since they released the pink slip we did not insist on a recipt, now 2 months latter they are trying to repo the van.. stating we have not paid for the van in full and letting go of the pink slip was a mistake. can they really repo it even if im the registered owner nowz/ |
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