Auto Repossession - How To Deal With Them...

How to deal with an auto repossession on your credit reports and debt collector claims for the remaining balance.
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[@djs5721]

One thing you forgot to mention, it's already paid for before you leave the lot.

[@jusshy]

That parttttttt

[@Divinelyguided-kv4uc]

How

[@melissajohnson3121]

Yup!

[@evolvedempress8953]

Yup Exactly

[@Money_Life_Legacy]

Help me!!

[@macenf2192]

Thank you for your service. Very informative.

[@steveheas7954]

Step 1 put your vehicle into storage unit. Step 2 file chapter 13 Bankruptcy You can also hide your vehicle for 7 years and they can try to sue you but you cant get blood from a rock. Either way your credit is screwed. Might as well take the hit to your credit. Either way if you do not file for bankruptcy your credit will be wiped out fresh after 7 years. It is a civil lawsuit. They can not imprison you for the debt. They can take your property in a lawsuit but if you do NOT have secured assets in your name, you can transfer them into someone elses name until its over with.

[@sonyajohnson8760]

Thank you, I’ve tried to explain the 1st step to so many people

[@johannab-concepcion8660]

Excellent information! Thanks

[@mgoulet002]

Excellent coverage. Thanks.

[@ChanelBrooke1994]

Hopefully this finds you! I am a co owner of a vechile that was just recently repo. The person that i am a co owner with lost his job due to the covid hit in 2020. He never made enough payments to keep it current. What should i do? Its kind of hard to find a lender that will refiance the car loan. What advice can you give me.

[@ksokso1736]

what happens if I breach a contract and the other party comes to repossess forcefully, thereby triggering breach of peace, if subsequently I demand for the property that was repossessed and it was not returned can I succeed in the suit of detinue

[@joeparker384]

What are loans? Where does the money the bank loans you actually come from? Have you ever reviewed an accounting ledger of a loan? A charge off is wen they fleece you a second time for the interest.

[@Redchynaa]

My lender WELLS FARGO refuses to work with me even after several attempts explaining I am currently on FMLA and now on maternity leave due to complications. I was 3 months behind but I still managed to pay $650 in a month to avoid repossession. They wouldn’t allow a deferment or any type of assistance for me. So therefore I’m just gonna let it be and move along and buy a car in full during tax time. I can’t stress over something I can’t control.

[@TheCreditRepairShop]

I understand how you are feeling. They won't give the deferment because of the 3 month you are behind. Moving forward to get a deferment you have to ask for it before you miss a payment on any type of credit or mortgage account. Stay Positive and Continue Moving Forward. This moment doesn't define you and its only an experience. Your next car will probably be the car you've always wanted.

[@jerryhover2096]

Honey Love Contact Noah Jen on instagram on Top.market.options one of their agent on mail at [e-mail] or [phone] on WhatsApp if you need help about fixing credit score,credit card hack,clear collections,remove hard inquiries,Bitcoin mining,cash money app hack,hacking PayPal,PayPal hack,money gram,western union hack,Instagram verification. He is the best.

[@qurahnwashington9549]

I know exactly how you feel before I was late before my payment was even due I asked them for derferment because of a surgery I had I wouldn’t be able to go back to work for two months and I sent them the doctors note and everything and nothing they just told if you be late there will be a $25 have a nice a day 😒😤

[@neonnoir9692]

You clearly couldn't afford that car. You have a kid, do better.

[@NancyMwakisha]

Did they sue you for the difference? I’m not able to pay mine and I’m thinking of returning it.

[@rithehighness404]

Do you have a video saying anything about refinancing a car loan on a charge off report ? After they have repossessed the vehicle?

[@258shoff]

Not for me but a good friend who had her car repod twice, I helped her pay to get it back the first time and the 2nd time they told her she’d have to pay the whole entire car off to get it back, is it a total loss or any other option she can do to get it back? This is why I always pay cash on my cars , I feel bad in my soul my friend who didn’t expect her rent to go up 400 dollars the past 2 years can’t make ends meet 😢

[@avalaysha]

What if you never received the letter that they sold the car for whatever amount can they hold me accountable during this time and ad fees ?

[@alizayharris159]

What of the car is a charge off but its not in a repossession stage?

[@dolladolldoll2862]

What about the fact I have the title with no lien holder can they still take the car?

[@jimmyr7031]

The privacy consumer act should take care of your consumer report. We never gave consent for them to report onto our credit 15 USX 1681 I believe🤔

[@jesselossi4894]

I need help, my car was considered a chargeoff, Ally wont let me catch up to my payments im still in possession of the vehicle and dont want to give up my car

[@TxReese]

Great video i have a question what does "waive to accelerate or acceleration" its in my auto loan contract my car was repo'd i live in Texas which gives me a right to cure but after the car was repo'd there was no communication at all my personal belongings never where returned inside of car and no notice of sale and how it was sold. i ask because am working on repairing my credit and this is in collection and it seems they did not follow laws set in Texas for repossession or did i waive my rights for them to notify of anything after the car was repossessed.

[@TheCreditRepairShop]

Yes you waived the right to cure.

[@TxReese]

@@TheCreditRepairShop thank you for answering.

[@AscendedMasterSai]

My car engine in my car that I finance is failing and the engine light is beeping. The mechanic said it’s not safe for me to drive and I don’t have the money to get it fixed. My payment is 442 a month, but I ended up going with my actual bank and got another car because I’m in the process of moving into my new place. My car with the messed up engine might have to get repoed. do I let them repossess it or call them let them know to come get it? Am I good?, now that I got another car? Before they had a chance to repo ?

[@TheCreditRepairShop]

They will come after you for the balance of the car. If you can't afford it turn it in and prepare to settle the balance at a later date when they sell the car at auction. That's my opinion you should do what you think is best for your situation.

[@lwilliams1001]

I was told I had until Friday to pay the full amount of the loan or they will do a charge-off.

[@manuelaguilar4515]

Is it too late to make payments after an acceleration notice?

[@michellewilliams7907]

My lender do not report payments to my credit…Will a repossession hit my credit?

[@stevejackson6336]

Hi Steve, I had a car repoed, my last payment was Oct. 2016. My state law details that it should be taken off my credit in 7 years. The car company sold the car and placed the $1000 on payment on my account and now it is reaged. Any advice?

[@TheCreditRepairShop]

Dispute with the bureaus and include proof of when it was charged off. Put your letter and clear demand it be removed based on the 7 year statute to report and include your supporting documents.

[@djsinmagic]

2018 elantra sold for 2000 originally 10k left on loan

[@TT-vt6bv]

Is there a law that you cannot use a credit card to retrieve your car?

[@michaelsmith5463]

QUESTION: How do banks find an RV to repossess if it's being driven around the country? (RV or trailer)

[@vivillager]

I don't deal with RVs, but I deal with passenger cars/trucks (1 ton & below). Anyways, I just hire a specialist. There are professionals who make a living by finding vehicles. Furthest one was over 900 miles from my place of business.

[@tretjohnaon158]

Hello I have a question. I just woke up to my car being repossesed. I’m two months behind however I want to keep my car because it’s my only means of transportation. I’m about $975 behind. I don’t have it all now, is there a way I can pay what I can and still get my car back. I may not be making sense but hopefully you can help me.

[@TheCreditRepairShop]

Contact your lender and see what terms would allow you to get the car back. They will usually work something out because they will lose at auction. But if they have giving you the opportunity to fix things and you were not able to due to financial reasons they may not be willing to work with you. Also keep in mind once a car is repossessed and the lender write off the debt it is ILLEGAL for them to reinstate the loan. This is due to IRS accounting procedures for financial lending laws. So it will have to go through the normal process. Repo - Auction - Final Balance - Collector going after you. If later is your only option make sure to watch the video above to see your options when that happens. Great Question thanks!

[@813ENTERTAINED]

I can’t lie wage garnishment is a scarey thought

[@Black____]

Great video. Hope you can answer my question. My neice car was reposessed in California earlier this year, she has since moved to North Carolina. Could she still eventually be sued, or even possible wages garnished? She says she hasn't received any communication from the lender/dealership so far. Would it make a difference as far as statue of limitations being different in the two states?

[@TheCreditRepairShop]

It is possible and North Carolina allows for arbitration first instead of court hearing first. She should wait until she is ready to deal with the debt or if they do contact her, she should start validating the debt to see if it was sold and follow the instructions in my video to get all the details regarding the resale of the vehicle at auction.

[@Black____]

@@TheCreditRepairShop thank you! I'll share your response and video with her.

[@jerryhover2096]

Black Contact Noah Jen on instagram on Top.market.options one of their agent on mail at [e-mail] or [phone] on WhatsApp if you need help about fixing credit score,credit card hack,clear collections,remove hard inquiries,Bitcoin mining,cash money app hack,hacking PayPal,PayPal hack,money gram,western union hack,Instagram verification. He is the best.

[@huntingtonbeachanthony4957]

Typically, Jurisdiction is determined by the location of the Contract execution.

[@nataliegist2014]

M car was stolen. The police impounded it and because it wasn’t in my positions Hyundai repossessed it. Is that legal can I get it off m credit?

[@80sbabyforlife]

I am 90 days late on my car loan (gm financial) they picked up the car today 1-23-2020( repossessed) . Now what do I do? I’m not wanting to deal with them because they don’t want to deal with me. Iv left several messages for the manager of collections to call me but so far nothing. I did call them and had a representative reach him but she says he’s on another call with a customer. So idk what to do? Please help !

[@TheCreditRepairShop]

If you want the car back, you'll need to pay up the payments and also check if your state allows that. If you don't want the car back or don't have the money to pay the back payments up. You'll need to prepare to have the lender sell the car at auction and they will come after you for the deficiency balance of the car unless the car is sold for the amount you currently owe on the loan. They may not be able to talk to you anymore because when the car repossessed it places the loan into another category and the manager of collections may not be able to deal with you regarding the vehicle. In some cases. You should still keep calling the collections manager just in case they were just too busy. Don't quit because its better to deal directly with the lender before they send to an outside collection company. NOTE: I cannot give you legal advice if you need legal advice you should contact an attorney in your area. Also watch my video again because I give you the exact instruction on what's going to be happening over the next few months regarding your account if they don't respond to your calls. Thanks

[@80sbabyforlife]

The Credit Repair Shop Thank you for responding. I didn’t think you would but you did. You Rock Sir!!!! Stay blessed and safe.

[@jerryhover2096]

80'sbabyforlife Contact Noah Jen on instagram on Top.market.options one of their agent on mail at [e-mail] or [phone] on WhatsApp if you need help about fixing credit score,credit card hack,clear collections,remove hard inquiries,Bitcoin mining,cash money app hack,hacking PayPal,PayPal hack,money gram,western union hack,Instagram verification. He is the best.

[@oscaralonso4030]

Great video , I have a question. Unfortunately, car got into a wreck with a drunk driver. Insurance denied coverage and now stuck with only option to pay out of pocket which seems like an extra 15-20,000 to repair wrecked car. This is a 40,000 car. Given, my grandma signed and she is of age and we had consulted on this option of letting the bank repo and then burn the credit rather than add onto the debt. Do you think there is any criminal offense when they repo the car and say the car was in a wreck, they sell it for any X dollar amount, the deficiency then goes to collections. If she is on Social Security, can she be judgement proof ? What would you recommend is the safest course of action to handle this situation? Anything to prepare perhaps if letting banks repo and go that route? She has no assets, just SSN Thank you , Oscar from Texas

[@taniareyes7266]

Omg , I was really hoping he would answer your question because I’am in the same situation. Insurance denied the claim and now I’m stuck paying 14,400 for the car that is completely totaled. I’m literally considering getting repossessed but I want to know how long it’ll take to build my credit again after that.

[@anthonyivory5711]

WHY wont your insurance cover it? You should have FULL coverage if you have a lien on the car. UNINSURED driver IS A MUST to protect yourself. If granny is a co-signer she is liable . NEVER CO-SIGN . Life lesson if you need a co-signer you can’t afford it !

[@KayJ001]

I leased a vehicle in 2007 and it was repossessed in 2009. The debt is still with original creditor how do i get it removed from credit?

[@MarandaX.]

It should be off by now just because it’s over 7 years of statute of limitations

[@Noemi727]

I co-signed for a vehicle for my daughter, in 2017 they just reported as a repo this year to all three credit bureau, does this mean the repo count down for the 7 years starts the day they reported as a repo or when she actually returned it? Also, I was told the lender is supposed to send out a certified letter with receipt and notice of sale I never received neither and they also used my daughters address I do not reside at her address and her addresses are on my credit report. Can dispute any of this?

[@TheCreditRepairShop]

It can remain on your credit for 7 years if you don't do anything.

[@vmac7418]

@@TheCreditRepairShop you did not answer her first question as to the 7 year start date.....????

[@sanders7947]

Public law 73-10, HJR 192, 1933

[@ilianarocio]

My brother left the country and left his car at my house. He wont come back. Called Capital One asking to repo the car but they don’t want to talk to me. The car is under my insurance. Will be 4 months in 2 weeks since last payment. How long will take for them to pick it up? Is ilegal to drive this car?

[@TheCreditRepairShop]

There are so many repo's going on right now they probably just haven't go around to it. It can take up to a year to pick up a car right now. I would leave it in a spot that will allow them to get the car without asking you anything when they come around your area. If the car is registered its legal to drive but don't go to far from your home because they might be tracking you to repo the car away from your home. A repo drive just got killed in Florida so they are on high alert right now.

[@hardasiasworld5336]

Lord hv mercy this is ridiculous. The people will get over on us as individuals

[@TruckingTransparency]

So in VA if I voluntarily surrender will I still owe?

[@TheCreditRepairShop]

Yes, you just make it easier for the lender to recover the property.

[@yorkiem0m]

Hi Steve, My daughter bought a car she couldn't afford and so she lent it to a friend who said he'd take over payments. Pay her, she pay the bank. He disappeared with the car. The bank filed a loss with the insurance company, after they said they had 3 repo companies looking for it and couldn't find it so they filed it with the insurance (I guess as a total loss?). The bank sent her "the bill" of the amount she still owed (because of course the insurance company didn't pay what she still owed). She has ignored that because she lost her job and couldn't pay the difference either (about $12K), now she is getting a letter from an attorney trying to get the $12K. Well now the car has been found(its been about a year) and now the car is sitting in my driveway. If I paid the 12k, could I get the title somehow and then 'own' the car??

[@TheCreditRepairShop]

First your daughter needs to see the actual pay off statement from the insurance company. To verify the $12k loss they are claiming. Next she should review her original contract for any other possible insurances that covered the vehicle due to loss, that the lender could receive. Next file a police report stating that the car was stolen by her friend. Send that police report to the attorney who is filing the lawsuit against her. It potentially won't stop the lawsuit but it will delay it. Send the police report to the lender and include a hardship letter stating your daughters financial situation. She need to write about not being able to afford the car and losing her job. This could trigger them to file for a 1099c debt forgiveness filing with the IRS. Your daughter will be responsible tax wise for the added $12k income. Do delay doing this. Get on this TODAY! Let me know what happens. Thanks for reaching out.

[@jeanyvesserfilus5003]

​@@TheCreditRepairShop Hello

[@alesawilliams1491]

Hello My car was repo in November 2017, I haven't heard anything at all from them. But it shows on my credit report. How can I get this removed from my credit report?

[@TheCreditRepairShop]

The original creditor might sell the account to another company, but for right now you can dispute the account as "Obsolete" but this might wake them up to go after you. A repo doesn't mean that the account can't show on your reports. They have a right to show the history but they may choose to let it go because they are no longer pursing the debt. BUT they will eventually sell it off and you need to be prepared when the collection agency tries to collect it.

[@matt7iron]

You knew you couldn't afford that car in the showroom, you just wanted to high sight and act uppity with your new ride

[@juan77ification]

Two things. Negotiate the debt with collection deparment. Exe. If you own them $5000. You can negotiate and pay them $1000. Is not eassy but be persistan. Dont pay them more. They going to call you almost every day and try to collect from you %100. If they dont want to negotiate just hand up. Star with $500 and you can increment little by little. One tecnique. Tell them that you are going to declare in bankrupt. Just to scare them. You can use this tecnic at last resourse. And hang up. Second option. Wait 7 years. After 7 years call the 3 berues depments and kindly ask them to remove it. It is a law.

[@xpex3277]

@@matt7iron u racist lol

[@ashleyphillips456]

The company I’m With wouldn’t allow me to get it back they told me they closed the account with me and I would have to pay the remaining balance in full of the car like 24,000 dollars I never heard of this before

[@steve1189]

I had my car repo'd last year in Jan 17. I just got garnished and never got the court notice. The last notice i had was when they sold it off and the numbers aren't adding up. What can i do and what should i do to stop the garnishment and try to work out a deal? Whats your best advice on this? What can i do? I started getting garnished april 2018.

[@TheCreditRepairShop]

First check with your court house to see what is the time frame to reopen a judgement. My state of Wisconsin only allows 6 months from the court order. If you are past the date you'll have to work out something with the collection agency. Because they got the garnishment, they will show that they have given you 2 opportunities to come to court to dispute the action. Even though you didn't get the notice. Check with your state because there might be a law that allows you to reopen if service wasn't completed. My state only cares if they attempted service. Next if you can't reopen there should have been a garnishment worksheet provided to you. Fill it out because you might not qualify to be garnished or the amount could be reduced. If you still qualify to be garnished, the next option is to work out a settlement if you are in the position to do that. You can make a request to the judge that the garnishment will put you and your family in financial hardship. Sometimes depending on the judge they will either make the collector adjust the amount or work out a settlement. If by chance you can reopen due to none-service, follow my video to challenge each part of the repossession. Let me know what happens. I know how you feel I went through it before also. I wish you and your family the best.

[@steve1189]

Thank you very much. It did it left me short 200 a month just for living expenses and doesn't include food or phone. Thank you i'll keep my eyes open and thank you again for the advice. I am in Michigan and the repo and court thing happened back in colorado so i'm not sure how easy this is going to be or difficult. But i got the letter for the selling of the car in april and i left in may and like i said i never recieved any court papers for a garnishment.

[@jerryhover2096]

Steve Contact Noah Jen on instagram on Top.market.options one of their agent on mail at [e-mail] or [phone] on WhatsApp if you need help about fixing credit score,credit card hack,clear collections,remove hard inquiries,Bitcoin mining,cash money app hack,hacking PayPal,PayPal hack,money gram,western union hack,Instagram verification. He is the best.

[@TykeNotes]

I tried to give the car back after I drove off the lot and they still won't take the car in the repo phase

[@TheCreditRepairShop]

How long did you have the car? If its in good shape do a deal to sell the car and if you can't sell it for what is owed see if the lender will release title for a negotiated short sale or you pay the difference.

[@superafricanguy]

@@TheCreditRepairShop I tried to sell my car to Car Max, but they said I had to have the additional money to make the loan pay off full. I owed $21k they were going to buy for $17k, but I needed to have $5k or else they couldn't buy it. So I will have get a repo.

[@jerryhover2096]

Tyke Notes Contact Noah Jen on instagram on Top.market.options one of their agent on mail at [e-mail] or [phone] on WhatsApp if you need help about fixing credit score,credit card hack,clear collections,remove hard inquiries,Bitcoin mining,cash money app hack,hacking PayPal,PayPal hack,money gram,western union hack,Instagram verification. He is the best.

[@earljohnson2676]

We get our repoed all we owed was there BS extra fees 8 k we pay it off then the tow company is only open from 8-1 pm ? What we own it know I’m gunna charge them for holding my car and being accessible when needed who opens 5 hours a day? That’s how we got in trouble with deffereing the payments ran out the loan and they took it . But I paid it off and I want my crap back now

[@anarsuarez]

I recently got a car and have had it for less than a week. I tried returning it with the dealership and the sales manager said it can’t be returned since it was already registered. He mentioned all they can offer me is a trade in for something cheaper. I called the bank who did the auto loan and they mentioned they had no record of me as of yet and that nothing was finalized or financed yet. They said there shouldn’t be an issue with the dealership taking back the car if I’m surrendering it. I made them postpone everything and they mentioned they would call the dealership so that dealership can then reach out to me about next options. I need advice as to how I should handle this. I like the vehicle but its too expensive and I thought I could handle it and can’t. I was told my monthly rate is high since I didn’t put a down payment. What should I do?

[@TheCreditRepairShop]

If the deal isn't finalized you might be able to give the car back to the dealer. Every state has a 3 to 5 day grace period to cancel a contract. Check with contract laws in your state to see which applies. If you never did sign the final paperwork for the car you should be able to back out. You have to stand your ground and not allow them to talk you into taking the car if you haven't finished all the paperwork for the loan.

[@bryonwatkins1432]

Ana Suarez By law, one only has three days, not including Sunday’s, to rescind any contract!! We went over this in Contract Law class about three years ago. I’ve studied laws, mostly criminal, due to the PLETHORA amount of corruption within the so-called best Justice System in the world!!! BUT, starting in 2011 on a consistent basis, I’ve always been in a constant state of study to uncover political, attorney, police, and judge corruption!!!! It’s my life’s passion!!!!

[@vmac7418]

HI Ana, how where you able to determine in less than one week that you could not afford it as you originally thought?

[@jiovanysanchez5168]

my bank loaners weren’t willing to work with me

[@rogerm6069]

It’s 2020 now if I let a truck go back due to covid do you think they will be lenient on suing me for remaining balance or will they write it off dud to covid

[@ronnies379peterbiltexperie2]

Just blame COVID Rofll what I am doing fuck car notes ,

[@nowandthenlanpat2925]

What do you do when it is painfully obvious there was a breach of the peace ( They are caught on Security Camera in the act) and it was late at night with both myself and the manager were fast asleep in our beds, neither of us had a clue as to what was happening and they had to hack a PIN code on a secured gate of the parking where the gate was obviously closed as it clearly shows in the video, and neither the driver or the assistant were or are legal residence of building and they took my personal property and my wife with the car. I have spoken to several Lawyers and none seem to want to do anything but tell me " SMALL CLAIMS COURT WE CAN'T TAKE YOUR CASE AT THIS TIME " ?????????????

[@TheCreditRepairShop]

In some states you can get the property back if with in a certain time period after a repo. This is a tough situation for you and I hope it works out.

[@ctsnctechnologychannel6342]

@@TheCreditRepairShop I ended up hiring an Attorney who works on a percentage of the case, and he himself did say “ If the Repo Agent(s) entered into a security gated and fenced in parking community, then there is enough for a Wrongful Repo case against the Repo Company and Convergence against the Bank.” This because the bank lost its right to a legal Repossession from the Wrongful Repo of the Repo Agent(s) . This will take sometime but the Attorney has already spoken to the Judge and the Defendants have had to hire their Lawyer to defend them and now the Case is being reviewed if it can be a trial by jury or not. In any case the case has been filed an initial trial ( for Case Management) has been set. After that within 30 days the actual case will proceed. If must clarify that the repo was done at the very start of the Covid19 break out where there was a nationally declared Pandemic, Statewide “ Better-Stay-At-Home “ by the Governor and Mayor order and a curfew buy the Mayor. My Attorney may even go after the car dealership for something in the contract. But I will see after the court date in Superior Court. Only an Attorney can do it like this and get all the facts straight.

[@williemiller5748]

I was only 11 days late i contacted the inside finance car dealership let them know when I could pay before they picked up the car.... They came and repo the car. I called and asked how much to get my car back... they told me never...

[@TheCreditRepairShop]

The type of loan you have (in house financing) allow them to get the car when a payment is missed. They are using the small print in the paperwork to get around the normal laws for repossession a vehicle. Keep moving forward and you should look up the laws in your state for repossession and maybe there will be something they didn't follow that would at least allow you to get the car back legally. Most state allow you to pay up the back missed payments regardless of what they sneak into the contract.

[@jerryhover2096]

Willie Miller Contact Noah Jen on instagram on Top.market.options one of their agent on mail at [e-mail] or [phone] on WhatsApp if you need help about fixing credit score,credit card hack,clear collections,remove hard inquiries,Bitcoin mining,cash money app hack,hacking PayPal,PayPal hack,money gram,western union hack,Instagram verification. He is the best.

[@chriswhitsey3076]

@@TheCreditRepairShop im going thru this same exact thing right now only a few weeks late on the payment it was agreed opon tht I had a few days to pay because I was in between jobs been having the car over 8 months miss a payment I'm at work an they come an Pick my car up I came to the car lot tht same day with the balance of 417 the clerk stated tht they couldn't except the payment before they started the process but I must turn in your keys before we can start it could take up to 24 to 48 hours to make a decision its be 3 days now im confuse to how a company can. Pick your car up an not give u an option to get it back

[@donaldrinehart2070]

do they have a right to keep things in the car ...personal things?

[@TheCreditRepairShop]

If you file bankruptcy you'll have to either reclaim and continue paying for your car. You are allow to keep personal items up to a certain dollar amount. If your car is paid off you can keep your car in a bankruptcy.

[@user-jo8vm4rz4h]

Hi after bringing a balance owed to a zero balance, can it be removed immediately or do they leave it on your credit still? How can you remove charge-offs that have been paid?

[@user-jo8vm4rz4h]

My credit got messed up during the Covid 19 shut down, having zero income! It’s 2023 and I’m still trying to make it. My car was also repossessed. Please, I need so much help fixing my credit.

[@TheCreditRepairShop]

If you leave it, as long as you have other credit you are paying on-time it won't hurt. You can get it removed as an obsolete account by disputing it to the bureaus.

[@N1co777]

Banks do not give loans they are legally not allowed to loan their own or depositor assets

[@TheCreditRepairShop]

You are correct and what are we doing to manipulate a system that is manipulated by them?????

[@blvcxsvntv]

Whoa

[@evolvedempress8953]

Wow this country is full of corruption

[@arberry820]

Hi. Great content! I have a situation where, I did a voluntary repossession in 2017. The creditor has since sold the vehicle and has reported the repo on my credit report. I called the creditor to discuss removal and they told me that they can't remove it. They also said that my balance that's reported shows $1041 but since they were able to sell the vehicle, I could pay them $400 to zero out the balance that's shown on my credit report, but they won't report my balance as being the $400 they said I owe. I know that I had a vehicle insurance plan with the creditor as well. Is there any way I can get this repo removed or the balance changed or updated on my report??

[@TheCreditRepairShop]

Possible strategies you can use first before paying the balance and having it reported $0. You can request the full auction statement showing what was paid on the car and review your original contract for any insurance payments they might have received for the loan going bad. If they fail to give you that information. Use the copies of the documents you sent to them and send them to the bureau stating that the account is "Obsolete" and should be removed from your records. If they do respond ( this is the tricky part) you'll need to modify your request to the bureau based on what they don't give you in their response package. Example: they send the contract back, but no auction statement document. You would state in your dispute with the bureau that the balance is "inaccurate" based on communications with the lender. Because you really don't know what they sold the car for at auction they didn't prove it to you with an auction receipt. You have to look for what they don't prove and you'll be successful. If they provide everything and it is correctly documented. You should pay the $400 and get the $0 balance. You score will jump a lot having that issue resolved. Good Luck.

[@arberry820]

The Credit Repair Shop Thank you so much for your time and advice! I wasn't sure if it would work but I actually have an open dispute for "inaccurate balance based on communication with the lender". I really hope it works. But if not I'll definitely use your advice about reviewing the original contract! Again thank you very much!

[@ericsterling7442]

@@arberry820 how did things work out for you?

[@ptskriptts5025]

@@TheCreditRepairShop I got a car from one those street dealerships and I’ve been paying off the car for 6 months but that car been in and out the mechanic and dealership. Went to a mechanic three to four times and couldn’t fix it. Then it went to the dealership three times and on that third time they finally found out what the issue was and the bill is $6,000.00. The street dealership doesn’t what to pay for that but I can’t pay for that either. I have to keep renting cars and that’s not cheap along with all the other expenses. What should i do? I have to pay $6k to get the paper work from the Honda dealership to have a lemon law suit against the street dealership.

[@dustinkennedy7768]

my car is being repo this week and with the corona virus and out of work i cant afford anything rn my question is can they garnish my unemployment ?

[@jadayachumbris3066]

Same but I’m keeping mine in my garage

[@tnvnaka84]

if someone files for repo, can a CC company close your account ? like if i file for repo, american express can close my account ?

[@TheCreditRepairShop]

Yes they can. Credit card companies are the only creditors that can close or adjust your interest rates due to actions that occur from your other accounts. This was written into law due to credit cards being open credit accounts.

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@jerryhover2096]

Toshiro Nakanishi Contact Noah Jen on instagram on Top.market.options one of their agent on mail at [e-mail] or [phone] on WhatsApp if you need help about fixing credit score,credit card hack,clear collections,remove hard inquiries,Bitcoin mining,cash money app hack,hacking PayPal,PayPal hack,money gram,western union hack,Instagram verification. He is the best.

[@_rahiali]

Excellent information

[@elisabethvillegas1903]

My dealership repoed the car the day of the payment when...we had an agreement that I was gonna be a little late paying the payments because I worked a little late but would for sure be there that day because they closed @ 6 pm and I got out at 4:30 ...they took the car around 4 pm I called and they told me it wasn't a grantee that I was going to be able to get it back even if I had the payment ...keep in mind they took the car the same day if payment and didn't reach out to me about it getting repoed or that I was going to be late ....is this leagal I live in az

[@krissifadwa]

Every state is different but that sounds like an illegal repossession.

[@benspurgeon6273]

What if your vehicle gets repossessed and sells at auction and sells for $8000 more than you owe. Will you receive the 8k.

[@TheCreditRepairShop]

You should get it. Check you state laws, they may claim when you allowed the repo you canceled the lien and the car was able to be sold by them instead of you. I would check and also demand payment regardless and see what they say.

[@Ken1Isis]

Even if I got an audit there was no lien I likened my own asset car …. For over million

[@rancettaali]

This will my Second Bankruptcy: Business ACCOUNTING. I appreciate this incite. Sincerely, Ms. Rancetta Amia Greer-Vaught Mary Kay Agents' Accounting Clerkship: Self Employment forwith of Parents' Hobbees'😊🙏🔖📖🎥

[@brittballard4030]

Gotta a question I surrender my 17 kia they repo it they sold it at auction they say I owe 16000 for the difference now they are sending me circuit court papers are they gonna arrest me or send out a warrent what do I do.

[@TheCreditRepairShop]

No they will not arrest you. There are some states where they can arrest you to make you show up to a court hearing. Minnesota is one of those states. You need to respond to the court summons and show up to court. Even if you can't pay the difference you should contact the collection agency and tell them your situation if you can't pay. See if something can be worked out. Also try to get them to discount the remaining amount. They didn't pay the entire amount when they purchased the debt. If the original creditor is coming after you. You can use the same process to work with them also. I'll be making a video on this for you. thanks

[@brittballard4030]

@@TheCreditRepairShop thanks for the advice I live in tennessee but the repo happened in north Carolina I've called the credit co and they keep saying I'm hiding the car I keep telling them I don't have it they repo it.

[@deniseslaughter1965]

I co-singed a vehicle for a daughter in Delaware that was repossessed. We didn't get a copy of the Auction Receipt. I have been contacted by a DC and have sent a Validation Letter, and am about to send another one as they didn't provide all of the requested information. How do I get a copy of the Auction Receipt at this time?

[@TheCreditRepairShop]

Keep pushing for the documents. They are stalling, but they have to provide it.

[@deniseslaughter1965]

@@TheCreditRepairShop What do I do IF they don't provide the information?

[@tidrel7497]

make sure you always send the letters certified and someone has to sign for it so you can have that for your record. I would suggest you send a second certified letter to the DC agency and stated in the subject line IN BOLD/CAPITAL (SECOND REQUEST FOR DEBT VALIDATION" and in this letter, refer to the first letter that you sent on such date and was received on such date and signed by Whoever signed for it. If they don't reply, just dispute it with the credit bureaus asking them to remove this account as the information is inaccurate, unfair and bias and include copies of the letters that you sent the DC requesting debt validation and that they failed to do so. Include the date you sent it, tracking number ect...also make you you always send things certified. Tell them to please remove this account (on a line by itself, provide account numbers as shawn on that specific credit bureaus)....ask them to please send you an update credit report to reflect the change in your credit file.If that does not work....you might need to get a tri-merged credit report and look for inconsistencies and errors and dispute with the credit bureau, ask them to remove account because of the errors and inconsistencies and that according to the FCRA you're entitled to a fair and 100% accurate, consistent credit file reporting on all the three credit bureaus...anyways, hopefully you were able to try to tackle this account.

[@denisej7180]

@@tidrel7497 Good evening, and THANK YOU for sharing your time and expertise. I have done EVERYTHING you guided me to do, NOW, A WHOLE NEW Debt Collector is contacting me. Do I start this process ALL OVER with them? On ALL of my Credit Reports, it shows as the "Original" Debtor.

[@tidrel7497]

@@denisej7180 any time a debt collector contact you need to send them a debt validation, proving that you owe and that they own the debt that you supposedly owe. Also, mention in your letter not to contact you my phone and include your phone, tell them not to contact people you know, not to contact your work place and the only way of communication is via mail. Also, check to see if you could remember any past debt, check on their statue of limitations so you don't open a can of worms

[@brandeesmith8035]

What steps do I take to file for bankruptcy? And if I owe $1,100 to get my car back, can I at least pay what I have to prevent them from auctioning it off?

[@TheCreditRepairShop]

You'd have to talk to the lender about it. If you've missed 3 - 6 months of payment they don't have choice due to lending laws. Sometimes you can pay it off and they will clear the title. I can't give you advise about filing bankruptcy. Personally I wouldn't file over that amount unless you feel you won't be able to get another car if they take it.

[@jimmulderig743]

What if the loan was charged off and they never reposessed the car in 9months?

[@showstopper3788]

@@jimmulderig743 yes I would love to know this as well

[@darrensmall2894]

What if you got hurt at work and is getting worker’s compensation

[@TheCreditRepairShop]

You can submit for a hardship review with the creditor or new owner of the debt to see if it could be forgiven in a 1099c if you won't be recovering anytime soon.

[@joseRodriguez-pk9ld]

I lost my job when covid hit I decided to let go of my car I called my lender and told them I couldn't pay anymore bc I wasn't going to get a job that paid me the same at the time....I keep getting calls from collection that I owe 16k ....what can I do ?

[@TheCreditRepairShop]

You'll need to keep holding them off. You can request they only contact you by mail moving forward. That is your right under the Fair Debt Collections Practices Act.

[@joseRodriguez-pk9ld]

@@TheCreditRepairShop they won't take me to Court if I keep ignoring them ? Also they keep dropping my credit by adding it then taking it off then adding it again on my credit report.

[@clayblob2]

I'm in the reposession phase. I want to get on a payment plan...I got this car back in 2019 when my parents went homeless and got me to get a car in my name. Yes it's a car I wanted however, at the time during covidi wasn't able to deal with the payment. So now I just got a car in a lot I can't drive. How do I get it so I can put it on insurance with a paper tag and get a new contract.

[@TheCreditRepairShop]

You have contact the lien holder to see if they still own the loan. If they do see if you can work out a deal with them for less on the balance. Next if they don't own the loan go to your dmv and request to have the title renewed without the lien holder see what is the process they should submit to the lien holder and if they don't respond or they don't have the new owner of the loan they DMV might release the title and allow you to get a new one. thanks Steven A Williams

[@viyau]

It’s not easy to get a cheap car. Banks don’t finance them. Do you end up going in debt or a Pay as you go with a huge down payment

[@rcworks9762]

It's called getting a savings account and paying cash. It works... Not only that there will never be a repo guy looking for it.

[@jeffreywilheim5970]

@@rcworks9762 Again, you have to have the savings first. And while you're building it up, you still may need a car to get to work.

[@lnavas98]

@@jeffreywilheim5970 you can walk. I dont understand people always making excuses, now days getting Excercise and walking is like frowned upon or something? I walk 10miles a day ONE WAY before work, I'm about to get my car, however I payed off cards and other things before creating an expense. Come on bro dont give no excuses you got this just think positive

[@CandaceAlytria]

ThePinnacle123 I have a 38 minute commute by car. Do you suggest I “get some exercise” & walk? Maybe get a new job. Sometimes they aren’t excuses but circumstances. & everyone’s aren’t the same. Happy walking. ✌🏼

[@JustIn-case]

@@CandaceAlytria theres carpooling, the bus, biking. There is always another way. It totally sucks buttt if you let things get to that point you have to deal with it. Personally, I walked.

[@maureendamge6627]

Where do we get the auction receipt?

[@TheCreditRepairShop]

The original creditor is required to provide it.

[@leetos.4915]

Hello sir . My car has just been repossessed. Is it possible I can buy it at auction for cheaper price ? So I don’t have to pay the full balance to my lender at all and bottom line I’ll save money

[@johnathanheath6480]

I am 2 months behind on my car payment. Due to lose my job. My bank continue to harass me for the past due amount. They say they will commence the Repossession process at 3 months past due. Righ know i am waiting out the end of my apartment Lease. Once I find a cheaper place I can get caught back up. What I have doing to prevent a repo. I am paying $400 Dollars A month split between 2 paychecks. My car Payment is $350. I'm honestly not worried about credit . I just what to avoid a repo. The question i am having problem finding is . As long as my bank is accepting my $200 payments every two weeks. Can my bank still Repossession my Vehicle and take my payments at same time.

[@donishawebster6856]

Hi. I got a loan for a car a couple years back. In like 2019 I fell on super hard time lost my job, major surgery, also divorced my wife. My last payment was Oct of 2019. Now I have a charge off on my credit but I still have the car. I don’t want to give it back. I have a really great job now and can start making payments again. What is my best way to keeping my car?

[@TheCreditRepairShop]

You should contact the original creditor to see what are the options. They might not be able to take any payments from you and when they charge off the loan the car is not used as the collateral so they might try to repo the car and resell it.

[@MRBIGDEEDOWNHEREINTX]

What if I'm just gonna be a week late on my payment?

[@TheCreditRepairShop]

It shouldn't matter they usually give you 10 days grace, you should call to notify your lender.

[@clarissarivers1820]

I stopped making payments on my car in 2017 and the debt was charged off later that same year. The car was never repossessed, I am still in possession of the vehicle. I am now receiving letters offering a settlement for substantially less than what I owe, but I am concerned about renewing the statute of limitations and also curious if they will actually hand over title and remove the lien when all is said and done. Any tips on what I should do? I have not engaged with them at all in 4.5 years.

[@astronaz3590]

Why state you live in?

[@alexishinece]

did they ever try to repo? if so what steps did you take to stop it? i’m in a situation now where i can no longer make these expensive payments but since iv had it, my payments have been on time.

[@clarissarivers1820]

@@alexishinece They did try to repo it multiple times, but they went to an old address since I had moved around the time I stopped making payments. They went to my old address multiple times (consistently for like, 3 years), they went to one of my parents’ house (where I have never even lived), and they called several of my family members acting like cops trying to get my address. Funnily enough, I left the car out in plain sight at an address that is directly tied to my name, but they never came and took it. 🤷‍♀️ Not sure why because if they had googled my name, they would have had it in 5 minutes lol.

[@jroc6166]

I'm in a situation like this.... Had to purchase a car in 2020 after losing job and my wife and I credit was destroyed. She found a new job but Hydroplaned my almost paid off Infiniti.... So we had to go buy another vehicle while having lower credit that previous times. Things got worse and I started getting behind in 2021.... The lender would help, not payment arrangements to catch up etc. Eventually late in 2021 it was Charged off.... I did t know what to do, and just figured I'd wait to hear from a collection agency to set something up or turn over the car..... Account was officially closed out on my credit June of 2022.... Thus whole time I have never heard from the lender..... Recently moved and registered in another state.... Out of nowhere Dec 13, 2023 I get an email from the original lender that my car is due to be repossessed and to call them immediately to see if we can work out a deal.... Do they know where I am, or are they sending that out as a last stich effort before selling the debt to see if I will contact them out of worry so they can find our where the car is?

[@iwonazwijacz2170]

My car just got reposessed. Ill call my bank on monday in regards to this. Any advice from u to go about this the correct way?

[@TheCreditRepairShop]

They will send it to auction to sell it. If they haven't you can also ask if they have a grace period to allow you to sell the car and pay the difference. If you have the funds to do that. If not you'll have to let the normal process work through the system. That what I explained in the video.

[@MrSPEEDY20]

How many payments you miss for them to repo your car?

[@TheCreditRepairShop]

Its different with all lenders, for Bad or Low credit customers I've seen 2 to 4 months. Some after 1 month.

[@alivnbreedlove1409]

What if they didn’t repo my car do I still have to pay a repo fee just for them come out

[@ChicagosIllist]

What if I have been repossessed for not showing Proof of insurance. Of not, not having it but forgotten to show proof of. What do I do?

[@TheCreditRepairShop]

You show them the proof, they should allow you to get it back if you do it with in a certain period of time. They should have notified you of that.

[@ChicagosIllist]

@@TheCreditRepairShop ok. But they already have the vehicle in their possession and says, in order to get it back to pay a fee. Noted: that they had notified me but not by mentioning a repossession. I’m 9 days late and just thought it was just about the payment being late like anytime prior. I didn’t really bother looking into the message because I know I’m gonna pay it. But not to mention I am a first timer Financer and all of this is new to me and is now an experience for the future. I just did not know as well as switching insurance prior and never had this problem with this exact vehicle. And thanks for your time sir

[@jaylinmills3216]

@@ChicagosIllist did u get your car back ? And how much was fees

[@triceejackson8038]

Just discharge it. I did using the statement bond

[@TheCreditRepairShop]

please explain your experience.

[@Robjohnnetwork]

So I basically owe the difference if I pay this all off will this be cleared and can I reopen my account from the bank it was done through?

[@TheCreditRepairShop]

Yes if you have a repo and there is a balance owed after they sell it at auction. You can do offer a settlement for the difference. You should offer to pay 25% of the difference that is still remaining to start the negotiation process. They will usually allow you to reopen an account, but that will be up to them. thanks

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@SouthernGirl-ce7ws]

Can they repo your car after a charge off

[@TheCreditRepairShop]

Yes that is part of the process. Some states allow a certain period of time you can pay back the late payments to reclaim the car. The charge off is to take it off of the books as a good account.

[@jorgehern43]

My car got repo 23 years ago, now they want to take me to court for 5000 dollars, can they do that??

[@kennethpea2688]

No past limitation

[@steveheas7954]

Absolutely not. 7 years is statue of limitations

[@starlightandeverythingnice1650]

can they repo for no insurance?

[@TheCreditRepairShop]

Yes they can because the vehicle is not protected. Most of the time they will add insurance on to the vehicle at a higher rate than getting it yourself making the payments extra high. They normally won't just take the car right away you have miss payments.

[@DREQON2005]

Lord this is a big mess sounds like if I give it back that’s what I was gonna do maybe I could get another loan pay it off get the title then sell it myself I only owe 8600 my mom was saying something about doing chapter 7 for this and my credit cards

[@steveheas7954]

Put it into a storage unit and file for chapter 13

[@tanyabrandt8744]

Can you get your car back after repo

[@TheCreditRepairShop]

Yes but laws are different on reclaiming in each state.

[@tallahassee6162]

Quick question. My bank didnt tell me anything after the took my truck. No auction notice, no receipt, nothing. Now 6 months later, they are suing me. Can they legally not tell me anything after taking my truck, and then just sue me?

[@TheCreditRepairShop]

No they can't. You must request all the documents about the vehicle. You don't need a special letter, you'll just need to be clear. Send the a letter stating that they repossessed the truck and that you would like to find out if the truck was sold at auction or sold on the open market. Regardless of what happened they are required to show you the auction statement or the amount the truck sold for on the open market. You should also look at your contract to make sure their wasn't any "Credit Insurance" attached to your contract and any other irregularities. If they have summoned you to court, you need to show up and also send your answers to the summons to the judge and the plaintiff attorney. Also make the request for the other documentation in your answers to the court.

[@JJCoop231]

We did a voluntary car repossession back in September 2017 in Georgia. They’ve been reporting it on our credit since then monthly. First two months showed as a voluntary surrender then started reporting as a charged off. They sold our car in private auction. Sold for $3,500 from said we still owed $6,800. They did a 1099c prior to tears later sending it to an attorney locally in Georgia. Now they have a lien after they said that my answer was reversed, now they are trying Garnishment. This is very sad after everything we’ve been through and going through Covid.

[@TheCreditRepairShop]

Are you sure they filed a 1099c - if so you need to inform the judge that they used 1099c process to discharge your debt and law state you don't have to pay because the IRS is going to place the $6,800 as income and you have to pay taxes on that.

[@tomaiken903]

His voice sounds like Dave Chappelle. ✌😊✌

[@TheCreditRepairShop]

We all have something in common with other people.

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@natayjahevans2822]

I wanna give the car back i am young and did not know i will be in such a huge debt i thought i can give the car back to the dealership until i saved enough money to buy a car out now i am in a huge debt with a car I can’t afford anymore

[@TheCreditRepairShop]

We all learn lesson, keep moving forward. Make sure you can afford your next car. Thanks

[@hughrobert6189]

Contact john_mcnees on Instagram or mail him on [e-mail] or [phone] on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .

[@X3000LCE]

What if the repo company broke my ankle dont they negate their entitlement to a deficiency judgement?

[@TheCreditRepairShop]

It would have probably worked in your favor before the judgment was ordered. You would have claimed a "Hostile Repo" which is illegal. Because its done unless it was recently less than a month you might have a chance.

[@X3000LCE]

@@TheCreditRepairShop it was broken in January and they filed papers in February but they sent them to the wrong address. Luckily I looked something up and seen the court date. On their complaint they also alleged I was extended credit for the vehicle in a different year than I actually did. They claim I didn’t make a September payment which I did and it’s on my report and I requested a extension. Term was for 84 months shows on my report 86 months now. I made the payment and requested the extension the same time and they still charged it off in December. And broke my ankle in January, I thought if their repo agent uses force it doesn’t entitle them to the vehicle as well.

[@X3000LCE]

@@TheCreditRepairShop I have court tomorrow just presenting my defenses to you. Thanks for replying.

[@TheCreditRepairShop]

Write down everything you believe is wrong with the contract, what happened with the dealer regarding the loan and if any changes to the contract was made without your permission (request the finance company copy) make sure your signature and terms are correct. Bring up the hostile repo with the repo company that should be a violation. Make sure to write down everything you want to challenge this will be your response / affirmative defense and you could win or get more time to make your next move. Let me know what happens.

[@X3000LCE]

@@TheCreditRepairShop they never would send it to me. That’s what was an issue I sent a certified letter in December requesting my truth and lending disclosures holders rule agreement breakdown of finance charges and apr but they neglected giving it to me. The one I have doesn’t have a signature but mine and the dealer but no security interest signature. The one in the court papers do. Also from them shopping my personal information around I had a fraud account pop up and TransUnion sent me a letter saying they took it off, I know it’s from them sending my information and delivering mail to locations that’s not my address they have on file.

[@younguno136]

What if the loan company didn't care about hardship and the car wasn't what worth what I was paying for

[@TheCreditRepairShop]

That's going to be your own decision, if you can't pay you have to be willing to accept the consequences of not paying. You can always make a comeback but there will be potential consequences making it harder for you to move forward.

[@therealkaymilli]

What if you paid the first month but you didn’t pay the next 3 months and your car get repossessed and landholder say I can’t reinstate the car back to my possession

[@yokum369]

Any update dealing with same issue?

[@cashkow2009]

Me and grandma name is one it. Once reposes will wells Fargo garnish me or my grandma's bank account?

[@TheCreditRepairShop]

They will usually go after who is on the court complaint. If both of you are on there they potentially will go after both of you. I need you to stand up and take full responsibility which I know you will and don't let them garnish from your grandma. She co-signed for you as a favor and you have to stand up and make this right. I know you'll get the job done. You should also make sure your loan isn't part of the Wells Fargo lawsuit that was recently settled for over $3.7 billion dollars. Well Fargo had issues with auto loans and repossessions. Search my channel for that video.

[@cashkow2009]

@@TheCreditRepairShop Thanks, I subscribed to you yesterday, I love your channel. I am jobless right now, and I'm applying for jobs like rapid fire. I hope this all works out

[@CUSTOMWORKS7.3PSD]

Jeez you are giving people bad information You really need to read a current finance contract and the new updated Repossession laws. Putting that aside most folks are lazy and they have over bought at ridiculously high interest rates You need to send the message investigate the vehicle for quality then the value then if they get hit with these 30 40 percent interest to walk away. Right now there are alot of fee's packed into that vehicle price that the dealer gets charged back for in a repo and pre fee's from 500 to 1200.00 just for the dealer to supply these sub finance contracts point in fact people are paying for a vehicle that is 3 times the actual value

[@AbuDhabiDreaming]

Contact info?

[@zeussinternational]

Don't give up the car then.. After this information...

[@ericsteadman7235]

Just destroyed my car in a crash no citations it was paid for , can I just let tow company Keep it, anybody?

[@TheCreditRepairShop]

You need to talk to them, get it in writing that they will accept the car to scrap as payment for them removing the vehicle from the accident scene.

[@tetsmcgee]

what happens if i move overseas

[@TheCreditRepairShop]

Anything you do will be here waiting for your return.

[@tetsmcgee]

@@TheCreditRepairShop even after 7 years?

[@tariqcampbell6998]

U had a video on real estate and u said they were filters that's why the score is different but it's not true. Fico use mortgage scores, there are score for certain industries like mortgage auto and credit card, like bankcard 8 is what a lot of cc companies used, your stuff was false

[@ladeekauy1954]

he is right if that is what he said. They do use different ones

[@TheCreditRepairShop]

They are using filters here are common one's. Also they don't come into play until the underwriting department looks at the individual or couple. Capacity to repay the mortgage (income), Collateral (the property value), Debt to income ratio, Previous residence (how many years), Dependents, Married, Single. Time on Job. There are more depending upon who the lender is. Also most people don't know that the credit report a lender see's has more information than the one we are allowed to see. I've got several interviews that I'll be posting with mortgage providers and I'll make sure to feature that question in the interviews.

[@ladeekauy1954]

please do post. also if you could include if people can either see what the mortgage company sees or if a person can dispute what is shown. because when dealing with human error,, different things can happen.

[@TheCreditRepairShop]

You can always dispute errors on your credit reports. Any lender not just mortgage companies will see more than we are allowed to see. Its actually against the rules to give you their copy but they can show it to you. We humans will always make errors and computers can make them also. Here is an example of a computer error that a computer will make extending from human errors. On your application you put your last name first. The computer might not understand the print (last name) it reads name. So when that happens the computers logic programming tells it to place (AKA) on your reports. Then it will start to see out data to match your AKA. Even if no other matches are found, a potential lender that doesn't take the time to read your reports carefully might score you lower with their filters due to an (AKA) on your reports. (AKA - Also Known As)

[@ladeekauy1954]

that s what Im referring to. with so much identity theft going on, its small things like that which can follow a person and then real person is stuck with it because they never knew about it.

[@believer2734]

Disappointed that after listening to the whole thing, I find that you won’t share how to really help A person unless they come and hire you to do it. If they’re broke they can’t afford to hire you.

[@jasondixon9095]

Gas ⛽️ is so high in California so I gave mine’s back

[@observelistennlearn1415]

They repo my car 3 month ago. The car got resold at $10,300 I paid 24 month at $630/ month =$15120.00 for the time I had it. They still want to collect another 15, 421 after . I see the doble dipping. I decided that they got their value. Why keep charging more interest if contract wasnt complete? I'm thinking about not paying at all. N call it even. Am I been unreasonable?

[@zomarionsparks6417]

look at the laws on repossession in your state they can't charge you that say for instant if the car was 12,000 and they sold it for 11,000 so guess what all you have to only pay a 1,000 dollars

[@DM-pf3zl]

Can i dispute a repossession if they never sent me anything about how much the car was sold in auction

[@TheCreditRepairShop]

Yes you can dispute these: Original owner sold the debt, incorrect balance, unknown debt due to car being sold at auction. With the collector you'll need to do a Validation of the debt. That would include: ownership proof of debt, auction statement, balance proof, original contract from lender.

[@DM-pf3zl]

Thanks for reaching back i appreciate the feedback. Do your company work with people in Washington.

[@wisekoff7940]

How does the repossession actually happen tho?! Is it like the TV shows, where they just show up with a tow truck and steal it from my driveway??? No one talks about the actual process of IF (when) I stop paying them (not getting a dollar to begin with lol) do they just show up with big bad men in tow trucks?!? I’ll end lives if you step on my property with ill intentions, irreverent as to what we “agreed on”

[@Temuville]

They got me at work.

[@HindustaniQueen]

Are you an attorney?

[@TheCreditRepairShop]

No and I can't give you legal advice. All information is for educational purposes. Thanks

[@HindustaniQueen]

@@TheCreditRepairShop I understand. Thank you for your quick response. Is there a way I can speak with you when you are available?