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Okay, please listen before making sarcastic comments. You don’t know my whole story and I am not going to go through the entire thing either (it is a book). I have fallen upon poor health issues and had brain surgery awhile back. I have not been able to work. I had a loan that I took out to help pay on some medical bills (I still have more out there that the insurance did not pay). I was making my payments every month and on time.

I got behind due to the lack of money and stuff. I have a child that come first. Well, anyway, my mother was a co-signer on my loan (I gave her some of the money to help her out on her bills too – long story). The car is in my name, but the place I have the loan through has the title to my car as collateral. So, now I believe they are just going to come and repo my car. How will this affect my mother? I mean will they go after her first or can I just let them have my car? She knows of the situation and does not want me to get my car repossessed, but I have no choice because I don’t have the money to pay on the loan for awhile. I even may have to file bankruptcy due to my medical bills that were not covered by insurance. They are that bad. I was trying to keep up with all payments but some of them will not accept payments and continually harrass me and tell me that my payments (doctor bills) are not good enough.

Any good advice would be appreciated, please no sarcastic comments.

I lost my job 2 months back and have been unable to make my car payments . i have 4 moths of outstanding car payment. My car was repossessed yesterday and the loan company said that I would have to pay the full balance which is 000, in order to get my car back. They also said that there was absolutely no other way for me to get my car backl.I do not have 12000 dollars. I am stressed out. I would like to know my rights . I live in Maryland.

I can’t pay for it, and my ex isn’t paying anymore. whenever i try to get money he flips out. i even have police reports from him threatening to kill me. It was stupid to sign for it, i know that, and i’m completely willing to accept the consequences of that. I’ve tried to sell it, but no one will buy it since the loan isn’t paid off so i don’t have the title. i’ve asked Chrysler for voluntary repossesion twice (in april and september) but they refuse. i’ve told them i’m not paying, but they are holding out either to ruin my credit even more, or because they think i will pay. I’ve asked them to reposses, i know they’ll sell the car at auction and i’ll have to come up with the rest somehow and i know that. i just want them to take it so i can start repairing my credit and i won’t have to have any contact with my crazy ex anymore. So is there any way i can force them to reposses?

I am current on my car note; but I’m wonder what would constitue as a "default." I’ve read that before my car can be repossessed, I have to have to be atleast 90 days late, is this true? I’m wondering if the loan company has legal rights to take my car if I miss my next payment.

I’m trying to do bankruptcy myself because my husband and I are so poor that we really can’t afford legal fees. When I’m filling out my forms, I’m trying to figure out if the amount that we still owe to the loan company is considered secured or unsecured, because then the loan would go on different forms. Please don’t tell me to get another job or that I’m a bad person. Thanks.

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