Are there any ways in NYS to stop a vehicle reposession? Please read details below? solution

Are there any ways in NYS to stop a vehicle reposession? Please read details below?

Tags:business card, case number, due money, repo company, undisclosed location,

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I was in a sanatorium given Oct 2007. we got out a week ago as well as we come to find out which my bank wants to repossess my car. we am late given Oct to right away as well as they won’t work with me. The do not caring which we was in a sanatorium as well as had no income during which time. we am right away perplexing to get behind upon my feet, we do not have a past due income in full, though we do intend to compensate ASAP. My credit rating is bad given of this as well as no a single will accede to me a loan (not even a refinance). we wish to emanate a remuneration devise where we compensate them X volume per week, though we rarely disbelief which given it has been this prolonged which they will go for it. we was mailed a commercial operation label from a repo association called TCAR in NY with a box number..what can we do? we do not wish to remove my car. we owe 00 in past due payments. What have been my options when we can’t compensate which in full though am peaceful to compensate in payments? Any alternative alternatives to save my vehicle? we now am stealing my automobile in an undisclosed place given of a repo. ????? help

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Comments (3)

shiek_yabuty said on 06-12-2009

Parking it where they can not find it is not illegal, until they get a court order demanding you surrender the vehicle.

You can call the bank and ask to speak with the repossession / remarketing department. Explain to them that you want to do a payment plan to get current. This is the department that realizes that banks typically lose money on a repossession so they may be willing to work with you.

Unless the bank has a court order (and you would have to be served first), you do not have to give up your car, or it’s location.

Someone recommended credit counselor, but you need to make sure you get a good one (ie legit). There seem to be way more scams than legit companies.

The other option is Bankruptcy, a Chapter 13 would allow you a payment plan.

CreditCards.com said on 06-12-2009

I think you need specific, personalized advice beyond what anyone here can give you.

Doubtless, you have medical bills. That’s one payment system, one payment enforcement system.

You have your car to deal with. That’s another, fiercer payment enforcement system.

You have alternative. None is pleasant. Every one involves, at the minimum, hassle.

If I were in your shoes, I’d go immediately to an ACCREDITED credit counselor (there are so many sharks in the credit counseling water today, I wouldn’t go to anyone not certified by aiccca.org or nfcc.org). They have experience in negotiating debt management plans, just for people like you.

Don’t fall for any get-out-of-debt-now schemes. Getting out of debt takes time and effort.

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