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I bought a used car 18 months ago. I still owe about 0.00. It has been damaged and currently does not run. I am about 3 weeks late on payments. I and sending hardship letter stating I think I can be up to date by Mid November. If the Finance Co repossess my car then do owe the balance. How can they charge me for something I no longer have? I realize it will go against my credit score. But my credit is bad anyway. Now they are getting so nasty. Should just tell them come and get it flip them off and not pay another cent on the car?
the balance is actuallly 8,000
if i could afford legal advice I could afford to make payment

Basically I have a default on an old bank account and have been told that I cant have it removed for 6 years.

Alongside this I have a car which I got through Welcome Finance in 2006. I no longer want the car I have another 5 years to pay for it and it’s a heap of shit so I was wondering what would happen if I stopped making payments as I already have a default which is on my credit file for 6 years anyway so would it make any difference if I had another.

Will they repossess the car and still make me pay or just reposess the car and forget about it.

Please help pleeeeeeeeaaaasssee.

My finance company repossessed my car and sold it for 00. How would they have disposed of a late model, low mileage vehicle for so little money and can the general public participate?

I had my car repo’ed in August becasue of a clause in the contract about moving to another state. I want to finance a new car but don’t know the best route to take.

Car was repossessed on Monday.
We were making partial payments for the last four months since my husband was out of work. But that was not enough to keep us in good standings with the bank.
We bought the car through JDByrider and they use CNAC to finance the car. Called CNAC on Monday after the car was repossessed to speak with our account representative. We have two options.
1. Pay the car note bi-weekly until we get back into the good. Which will take us 6 months.
2. Take the repossession hit, buy a car with cash and pay the repossession off our credit (which is bad anyways).
We both work and both jobs are within walking distance. Our problem is that we are not sure if we can get the car back because they may by accident sell the car off privately and we still stuck with a repossession on our credit. Or we get into good standing and we have no way of going and getting our car.
The car has a lot of miles on it. Several problems. Resale value is maybe 1000.00 to 2000.00 if everything is in working order.
If someone has been through this please tell me what you did. We are very indecisive about what to do.

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