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I didn’t pay the difference. bc no1. you already took the car. so now i have no transportation. no2. you already ruined my credit by putting repossession on there so now the chances of me ever being again to get another car are virtually impossible. and now bc you sold the car less than what it’s actually worth, you expect me to make up the difference? why would i pay for a car i no longer have? if i couldn’t afford the payment when i had the car, what is the incentive of trying to make a payment on a car i no longer have? so they decided they were going to teach me a lesson and take me to court. so now on top of the repossession, i have a JUDGMENT. well, i signed up with truecredit.com and was able to view all 2 credit reports & credit scores. I disputed all 3 judgments and they were all removed. QUESTIONS: if they notice, can they put it back on? What are the chances of them noticing? MOST IMPORTANTLY!!!!!!!!!! , if i never pay, can they garnish my wages or take my tax refund? Please don’t GUESS. please really know what you are talking about! Typically with repossession judgments, how far can they go to get the money?
i know that there are 3 credit reporting agencies. that was a typo. if you notice after that, i said i said i disputed all 3 judgments!
equifax, experian and transunion, yes, i know this. this is one of the 1st things you learn about credit.
src50, they already placed a judgment , didn’t you read what i typed? we are past that. how long after the judgment will they garnish my wages bc its been over a year.
I THINK EVERYONE IS MISSING THE POINT OF THE QUESTION. I’m not asking if you think it’s politically correct for me to pay the money back. I’ve already made up my mind about that. I know i’m responsible for the difference. I want to know about the tax refund and the garnishment of the wages. I understand the logistics behind everything. i know that this is protocol for them. I understand all that. none of that matters to me. i just want to make sure my tax refund and my wages are protected from this foolishness. and i did get all judgments removed and i think i got 1 or 2 of the repo’s removed as well. ALL YOU HAVE TO DO IS DISPUTE and the credit agencies will send out a letter asking the company to verify the account if they don’t respond in 30 days , legally it has to be removed.
NOT THAT I SHOULD BE EXPLAINING THIS TO ANY OF YOU BUT I LOST MY JOB AND MY PAYMENTS FOR ALMOST 0 ON A FORD FOCUS BC IT WAS THE FIRST TIME I EVER FINANCED A VEHICLE AND SO I HAD A HIGH INTEREST RATE. SO THAT’S WHY IT WAS REPOED. I COULD AFFORD THE PAYMENT AT THE TIME I SIGNED THE DOTTED LINE.
WILL I BE WARNED BEFORE THEY GARNISH AND TAKE MY TAXES SO THAT I CAN HAVE TIME TO INTERVENE?

My car broke down in June and I had it towed to a repair shop, they said it will cost over 1k to fix it and I owe towing fee and they charge storage fees as well. I lost my job in May and fell behind on my auto loan payments and definately dont have the money for repair or to pay off towing fees. I spoke to the finance company and they said there is nothing they can do to help me get my payments caught up since I have used all those options in the last 12 months. I told the finance company where the vehicle was if they wanted it since im not going to run into a financial miracle to pay all this money. It has been over a month and they have not picked the car up from repair shop. The repair shop is saying if someone does not come for the car within 30 days they will get a magistrates title and auction it. I dont even know if thats legal and I am just stressed to the limit. Does anyone know if it is legal, or have any advice? I hope this makes sense!
I owe for storage and tow fees only, I told them not to repair since I did not know if I could come up with the repair amount. I knew they could put mechanics lien on it if they did.
The total amount owed to finance company is 8k im behind 3 months which is 1500. The tow service was 50 to tow and 35 dollars a day it has been there since June 23rd..The cars value is a measly 3k as well../sigh

Can someone please tell me, under Massachusetts Law, does the finance company have to inform me that my car will be repossessed before they can actually take it? Will they give me some notice?

I purchased a car from a friend – he’s making the payments to the finance company, i’m making the payments to him. I was 20 days late on my payment – what are my rights in his repossessing the car?

My car was repossessed on 1/29, i was 3 months behind. on 1/31 i called my finance company wells fargo and asked how much i needed to pay them to get the car back, they tell me that i need to pay the full balance of 14500. so i bite the bullet and chalk it up as a learning experience. then yesterday 2/7 i get a certified letter in the mail stating their intent to sell my car at auction, their starting price (6500.00) and where it will be auctioned. on the 2nd page it states to receive my property back i must pay the past due amount (1100.00) + 2 months security payments (730.00) and recovery costs in the next 15 days. and my loan will continue as if i never had defaulted. so i get my hopes up because i have the money now to get my car back now that im no longer unemployed and i call wells fargo up again. they tell me that that letter was a mistake and that i need to pay the full amount again. my question is would this be something i should talk to a lawyer about. i would like to not have this repo on my credit and i can afford to make the payments or even sell the car private for more than they would get at auction.
why send me a letter saying i can pay 2000 dollars and get it back then tell me i cant that same day. thats my main question.

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