My question involves an auto loan or repossession in the State of: PA
Well here it goes i bought the car in 05 from honda in NY it is a 00 prelude, the car was used and "certified" i paid 13k for the car but it came to 23k after financing. I paid off the car until july last year when i had to come off a anti anxiety pill i was on for 3 years so i missed 2 payments. I called honda and tried to cure the loan difference, they told me "we are a direct lender and we cannnot work out any deals we want the remaining 8k left on the car" yea 8k 2k of it is for the extended warranty i cannot use. to make a long story short i defaulted on the loan as i dont have 8k i was only 24 at the time. The repo man came once and me and my dad told him no way in hell hes taking my car. I went to visit some family in Ny and at 3 am the repo man pulled my car out of the driveway with me resting in it! to his surprise i woke up and started screaming at him, the police came and he said they will make me give him the car but they actually made him take it off the truck with me sitting in the car still and i drove it away and its been in a garage somewhere ever since. i still have the car and they dont know where the hell i am. I have put alot of extra money into this car <showcar> and i will not give it up for my life. My problem is i cant take the damn anxiety anymore and lawyers told me bankrupcy wont work since i am self employed and never files taxes before. Anyone who can shoot me some help or ideas here would be great, i already paid a HUGE amount of the loan. On a side note honda screwed me over i went in for service <car only has 40k on it> and they said my car is not certified! I have the original reciept from Yonkers honda stating it was certified or i would not have wanted it. I dont know i am going crazy and its embarrisng that i cant drive my own car i already paid 16k for. Honda is out of luck until i can save up the 8k wich is probably like 14k now since i have not paid in a over a year.... My father and i tried to get a new loan but due to its age i cannot. My father says they will want to make a deal and take less then the full amount is this possible? Also things have been dead silent for about 6 months. thank you all for reading this.
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