If you have a vehicle repoed is there a way to make payments on the balance without having them garnish wages?
554234
Yes. First they have to get a deficiency judgment against you for the difference in court. Before they sue you for it try to negotiate a plan to repay the balance with the finance company or bank.
775008
As far as I know, as soon as the payment is past due they can turn you in to collections.  Usually it takes a few months though before they do that, as they will have to give a cut of the monies collected to the collection firm.
1107906
Depends on your state laws. \n\nIn my state, NC, wages are not allowed to be garnished for debts unless it is by the government... taxes, student loans and child support.
775935
No you cant get arrested for not turning over the car but they will find it. I would suggest since if they do find it and take it , when you go to get it back they charge you not just what you owe but the cost of repoing it too , which is somewhere around 500 dlls. I would stick it in a friends garage or in storage and then work on getting the payments caught up. Another thing the repo guys arent going to come and ask you for the car , they will come in the middle of the night or when ever and just take it. You might wake up one day and think it was stolen and it wont be stolen just gone.
558766
It is not a desirable option, but bankruptcy may be the only way to keep a vehicle needed for work in the situation you have described.  Contact a bankruptcy attorney soon for a consult.  Once the vehicle is repossessed, the fees will be even higher and will be due immediately along with towing/repo fees and and penalties then the vehicle often gets sold at auction pretty quickly.  Don't let it go this far without taking action yourself.  It is solvable with quick action on your part.
673335
Contact them immediately and set up an arrangement to pay them or borrow from friends or family to pay them back.  They can garnish your wages.  When they do, it will be on their terms.
985060
When you file, you list all of the debts that you want have. If you do not list it, it will not be taken away. I believe that they are not supposed to garnish your wages as long as your bankruptcy went through, but I'd talk to your lawyer.
770913
Have you contacted the company?  That would be the first and most obvious step.  You may be mistaken about being owed money or the company may not be legally obligated to pay it to you at this point in time.
793943
Contact the major credit bereaus. They can provide you tools to correct it without involving the law.
869937
They probably don't want to go through the cost of taking your car back, so continue to insist on working out a payment plan with them.  Ask for the supervisor, and whatever you are able to agree on, get it in writing.  If you can't get anywhere with them, however, I would consider getting an attorney or nonprofit debt counselor involved who can negotiate for you.  Daily phone calls are harrassing and can be illegal.
525768
If you are both on the title and the vehicle is being paid for he can't repo your car.  If the payments are behind on the car and he is a co-signer he can have the car sequestered from you.  More importantly, if you are behind on payments and the finance company is after it, you'd better give it up.  Its called a Writ of Sequestration, a constable comes and gets it and if you don't turn it over you get to go tell a judge why your not giving it up.
927826
Depending on the sellers rating you 'might' have had redress (through Paypal if you had used them) at one stage but because you carried out repairs, that deems you have accepted the vehicle.  If you push the seller, they may accept taking it back (well who wouldnt, you just spent 3k on it).  They are under no obligation to refund money you have spent on it.  The best chance you may have is if you can prove the MOT is illegal and then go after the garage that gave it, again because you have had many repairs carried out, I suspect this would also be an impossible route to prove.\n\nSorry its not better news.
743611
Rather you just give it back or they come and take it, yes you will have a repo on your credit. They will resell the car and you will owe the difference in what they sell the car for and what you owe on it. Your credit will be in a mess for seven years. A repo looks very bad, worse then a collection or charge off. I would call them and see if they will work out a payment plan with you to get caught up. Maybe you could try to sell it. You are running out of time if you are already three months behind. They will be coming after you for the car soon....If you wouldn't have let yourself get three months behind, you could have refinanced the car and gotten a lower payment.
849079
Yes, you can have multiple paychecks garnished if they have a judgement against you.  You should hurry up with the filing of your bankruptcy case so you don't keep wasting money paying on a judgement that will likely be eliminated in bankruptcy.
767405
They will win by the default and most likely they will try to collect using collection agency. If the sum is small they will report it to the credit bureau. Normally they will not go after your wages do not tell them where you work, But it is sometime better to settle, offer them some money and see what happens.
278256
They can harass you for the statue of limitations(usually 7 years).  However if they sue you and win a judgement that will reset the statue of limitations and they may get your wages garnished.\n\nHopefully your situation is temporary.  If it is explain it to them and work with your creditor to get back on track.
134582
Yes, they can.\n\nThere are no state laws. Instead, wage garnishing is regulated by a federal law, The Fair Debt Collection Act.\n\nThis act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for credit cards and other charge accounts.\n\nClick here to read the act and find out your right:http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm\n\nGood luck!