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The Vehicle is owned by me, but I took out a small loan and used the car as collateral. OK..so I was a month and a half past due (shame on me) and I recived a certified letter stating that I had to pay 0 on or before 5/20 or the bank would take possession of my vehicle. I paid the $$ before the date stated on the certified letter. On 5/19 sometime during the night my car was taken. I reported it stolen, cotacted my insurance and made arrangements to get a rental car. A few hours later the police called and told me it was at an recovery lot. It turns out that my bank took the car on accident. They called me and apologized and of course said that they would pay the 0 to get it out of of the recovery yard. They were really kissing my butt on the phone and offered to have a car come take me to get my car. Now…the question is…I had to take off a day from work for this bank error. Am I able to go after them for my missed day of work? And can I do that without using an attorney?

I was young, (22yrs old) had 2 jobs and made good money. I decided to trade in my old junk of a car and buy a brand new car. I had no credit history so my then bf helped co-sign for my new car. My interest was sky high but I didn’t care at the beginning because I had no idea what I was doing. I paid a very large amount per month and then after about a year, I lost my main job. A few months after that, I lost my other job. I now was collecting unemployment and went through HELL to make sure that car was paid off every month. I started making late payments and my life was just a mess because not only did I have to pay for that car, I had the insurance, rent, etc. I was no longer able to pay my car and that day came when Mr. repo came knocking on the door. They took my car after 2 years of me working my butt off and they auctioned it off for SO cheap (almost had a heart attack at how much they sold it for!)

This was in 2008 and 2 years later, I’m still struggling financially in more ways than a hundred lol…I have really bad credit, I can’t even open a bank account and I feel like my once so organized and amazing life is now totally off track. I don’t know what to do. These are my questions:

1. If I open a bank account, can my lender seize all my money? Not a savings, a checking account.

2. Being that I did not pay the upside down on the car (,000) should I file for bankruptcy and is it too late to do that after 2 years? And for those who want to suggest that I pay off the 16 grand, I’m not because I’m not going to pay for a car I don’t have anymore and you might say well you’re stuck with it you should have never bought a car you can’t afford I don’t want to hear it because you don’t know my story. I want serious answers, not answers that are going to sound mean and not help.

If there is anything that I’m missing? Please, any advise would be GREATLY appreciated. Thanks in advance