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  1. #1
    Join Date
    Sep 2006
    Posts
    11

    Unhappy What to do after a vehicle is repoed

    hi ya'll texas bound here with a broken heart. to get to the point. my vav got repoed last night. the repo guys were very nice they let me get my stuff out of the van. told me i had to give them key first though. i did because i was crying and new being backed up on payments that this was my fault. ohhhhhhhhh sigh i love and miss my mini van even though it was a 2000 modle it ran the greatest. well i was only 1 week away from my lawyer filing the van in with the home mortgage note but boom they got me well the van last night. i still a wreck over the whole mess. lossing wages/work for this day stinks. what do i do. i am in a hole so far no $$$$ for anything @ this point. but after the bankrupcy gets filed i should be able to breath. but now with the repo there i have no hope. please please please help me?

    help?????????????

    what do i do? i want my van back!

    anyone even here??????????????

    does anyone answer these boards???????????????? this is all new to me on how this works!

  2. #2
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: repoed

    This isn't an instant messenging system. It's a forum. You only posted this thread ten minutes ago. If you need immediate help contact a lawyer by phone.

  3. #3
    Join Date
    Sep 2006
    Posts
    11

    Default Re: repoed

    oh ,,how long do i have to wait to get an answer back here, cause i will wait .i don't know how things work here. i am new to this site. sorry

  4. #4
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: repoed

    You wait until somebody has the opportunity to review your post and reply. That usually happens within a few hours, although in some cases it can take a day or two. There is no guarantee that any question will be answered.

    You may be able to recover your van if you contact your lender, but they'll probably want you to pay off the loan and pay costs associated with the repossession.

  5. #5
    Join Date
    Sep 2006
    Posts
    11

    Default What to do after a vehicle is repoed

    how much do you think cost of repo runs? and do i have to pay the entire van bal or just the late fees and back payments?

    oh and i forgot to ask can i still put this into the bankrupcy or no now that it's repoed?

    i will wait for your post. thank you.

  6. #6
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: repoed

    You would have to ask the bank what its charges would be, in relation to the repossession.

    You should be able to resolve your financial obligations relating to the car through bankruptcy, the bank having recovered its collateral, and there is a good chance of a total discharge of that obligation if you qualify for Chapter 7. (But that doesn't get you the car back.)

  7. #7

    Default Re: What to do after a vehicle is repoed

    Why run after this van? If you are starting over these payments may make you go back into the hole again. Why not live within your means. find a used car. do a carfax to make sure of it's quality and use that 1,100.00 to get something. you screwed the lenders in turn you gave them the power to do what they want with that van. and if they know you want that van real bad. they may come up with an offer that will eventually screw you down the road. a wise saying is "a man does'nt build a house until he calculates the expenses to see if he can finish it" do'nt go by emotions live within your means

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