[Creativeoutdoors]

My question involves collection proceedings in the State of: Tennessee


my question is how many days delinquent can a payment be before reposession and does that act require any notice? I have been paying on a title loan and recently got a little behind. This is not the first time I fell a little behind but i have always stayed in contact and always seemed to get caught back up. The company has always been very easygoing and worked with me all the time. I received a call telling me that I needed to bring in a payment. I told them it would be thursday and I would make a double payment to catch up. They reassured me that this would be just fine. Later that same night they came and repoed my car. My payment was due on 5/24/08 and the date of the repo was 6/23/08 I called and was reassured it was all right, then got blindsided the same night Coincedentally I only owe 200 more dollars and i was planning on getting my title back thursday. They repoed me on monday night so that i couldnt have a chance to pay off the loan. Is it legal for them to do this and if so what steps can i take to make this situation better? Can they repo on an account that is only 29 days delinquent and if so what is my time frame that i am working with ? Can i still get my car back on thursday ? P.S. I cannot reach anyone there by phone. I feel like they are avoiding me to pull a fast one over on a poor man. Please help \

[Mr. Knowitall]

Does your loan agreement offer a grace period? If not, late is late.

It sounds like they had already contacted the repo company before you called in to promise your month-late payment. Contact them and ask whether they will reinstate your loan if you catch up.