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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.

Last month my car was (correctly) repossessed on 3/11/09. I was able to borrow some money and get it back the same day. Then this past Sunday, 4/19/09 I got a knock on my door at around 8pm. When I answered, it was the same repossession company that had taken my car the month before, and the guy at the door told me he was here for my car again. I was very confused, as my payment in the middle of March had been made in full and up to date, and my payment in April had been made a day early. I showed the guys (there were two, which is one of the reasons I didn’t come downstairs legally armed) my copy of the payment from March, and although I didn’t have a paper copy of my April payment, I was able to get the one guy to listen to the automated recording w/ the loan company stating that I had no payments due, thus showing that I was paid up. I said there was no possible way they were there to take my car. They then showed me their work order, which was originally generated on 3/31/09. This gave me further confusion, as even if there was some kind of problem with my April payment, there work order was generated before that payment was due. I again stated they weren’t taking my car, but they told me that there was nothing they could do, they had their orders. Rather than risk any serious altercation, I opted to hand over my spare keys and allow them to take the car. I have terrible luck, and I decided something must have gone wrong and I was indeed at fault.

After calling off work (I am almost forbidden to take off work on Mondays as my job duties have to deal w/ preparing for new music, movie, and book new releases that come out every Tuesday, and since I don’t have an understudy or anything, I’m the only guy in the store who can do it, but I was able to plead to the right boss and instead just had to bust my ass even harder on Tuesday before the store opened), I tried to get some sleep. The next morning, when I called the loan company, I eventually was told that it was a mistake, and that my car was indeed not scheduled to be repossessed. The loan company informed me it was a paperwork error with the recovery company, and that I could contact them myself and arrange to get my car back. I called the recovery company, and was given the number to one of their drivers and told to call him. When I called, he informed me he needed to get the release faxed to him, and that he’d call me back. An hour and a half later, I had not received a phone call, so I called the recovery company and they told me they’d call their driver and make sure he got the fax. About 15 minutes later I finally got a call from the driver. He asked me when I could come pick up the car. I was pretty pissed off at that point, that they had towed my car an hour away and now expected me to pick it up, but I was more worried about getting my car back before some other paper work error caused them to mistakenly auction it off or something worse.

I eventually got my car back. Some of the things I was most upset about is that not a single person apologized to me. The loan company didn’t go to any steps to get my car back for me, and instead left me to deal with the repossession company. The guys there made me wait around and then expected me to pick up my own car.

What kind of legal options do I have? I’ve seen a few sites stating this is grand theft auto, but I’m not sure if this applies in Pennsylvania, and if it does, what the statute of limitations would be. I’m not really that interested in spending my own money to sue anyone, but I wonder if maybe I can get something from one or both of these companies in compensation. I’m thinking maybe a month forgiveness on my loan and a full tank of gas maybe? Anyone have any advice?

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