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Found 3 results

  1. kkk1

    Repo in FL...

    I am almost 2 payments behind on my car loan (2 months behind as of next week) due to a cut back in hours at my job. I've been juggling things as best I can over the last 4 months, but I have just been notified that my position is not going to be budgeted for summer (June through August) and I am not sure what my hours will be afterwards beginning in Sept. I am seeking other employment, but no prospects as yet. Further, I have a ton of medical bills due to a surgery my son had to have about 9 months ago. I am strongly considering voluntary repo on the car, as I'm pretty sure that's where it's going; I cannot foresee making the payments in the next few months at least and I have to put rent, food, etc. first. I do have a car that is paid off that I will be able to use if the car is repo'd. How bad of a problem for the future am I looking at if it comes to this? Any advice?
  2. I initiated Why Chat's special repo letter program. I followed it to a T. The year of voluntary repo was 2009. The OC sent copies of letters it sent regarding the intent to sell as well as the original contract. They did not send account of the sale or a demand for deficiency. I have read over Why Chat's page, including the case law excerpts and do not see where the OC is legally required to include this information. The link to the Case Law reference points to Rutger's Law School intro page. Will someone with law background please send the legal basis (code) that the OC must include this information? I would like to include this in my follow up letter to CRA's. Thanks.
  3. I bought a mini van in 2002,It was repod in 2007. I got a non suit paper from the court. I understand that it should be reporting as a charge off but should it be reporting as past due every month? Status: Account charged off. $2,364 written off. $2,364 past due as of Jan 2013. Date Opened05/2002 Date of Status:10/2007 Reported Since05/2002 Last Reported Date 01/2013 Type:Auto Loan Terms:66 Months Monthly Payment$0 Responsibility:Individual Credit Limit:$12,831 High BalanceN/A Recent Balance:$2,364 Recent Payment:$0

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