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Over the Last few days, Here in atlanta, we have had a major Ice storm, and my home internet in my apartment was knocked out. I had a listing on Ebay that was going to end on Sunday night, so I drove down to the club house in my apartment complex around 5am to check the status of the auction. I Just threw on some sweat pants and T shirt before I left my apartment. Well I pulled up, and because it was raining Ice. I parked close to the clubhouse, in a employee parking space, It was truly an accident. Well i went into the computer lounge, and 5 minutes later this cop walks in, and asks me if thats my black bmw outside. I said yes., he makes me walk outside, where 3 other cops are. They ask me for my ID. I told them I live in the neighborhood, and I just drove down to check my email. The cop says " You drive a new BMW, and you don’t get emails on your phone"? Do you have any proof that you live here"? I said , " First and Foremost, Its not part of your job to analyze a person’s electronic capabilities, secondly yes my car has a apartment complex sticker on the windsheild". So he walked over and looked at it, came back, and asked why I didn’t have any ID. I said I would take them up to my apartment and show them my wallet if they liked. They told me to stay put, and they walked into another area of the parking lot, talking. I was standing outside waiting on them for 30 minutes in a 10 degree Ice storm. Then they walk back over and say, " Ok sir, your free to go, have a nice day," As I walked away, they were giggling. Well, The next day, I woke up sick out of my mind. I’m still really sick. I went to the doctor and was told I have strep throat. The doctor immedately asked me if I had been out in the cold recently. Should I call the Police about this incident? I’m really sick, and thinking back on all, I feel like the police were not acting very professional.

Hello! I have a question regarding a vehicle repossession in Georgia. My car was repossessed in November of last year (2009) after I was 3 months past due on my loan. I lost my job and was in college full time and was unable to pay the payments. I tried everything that I could to avoid repossession, however I failed at all attempts. Anyway, I received a letter from the bank shortly after they got the car back that told me that they were going to sell it at a public auction unless I requested a private sale, etc. I did not respond to the letter because I had already tried to sell the car to no avail. I got a letter today telling me that they sold my car on June 30th at an auction for 1800, which leaves a deficiency of ,352.30 that I owe in full within ten days or they will take further action against me. I was wondering what I should do, as I obviously can not pay them. I can barely pay my bills that I currently have. My husband and I are living with his parents, we share a car now and I do not work as I am in college. I graduate in three weeks (Nursing) and will get a job shortly after that (providing that I pass the boards). Would the bank be willing to wait until then? And even then, I can only do a payment arrangment. Also, I thought that the bank was required to tell me when and where the car would be sold so that I could come to the auction if I chose?

Thanks for all help in advance!
I go to school 5 days a week. On Mondays, Tuesdays and Fridays, I work at hospitals, nursing homes, drs offices, etc. doing clinicals. I work from 6:30 am until 2:30 pm. On Wednesdays and Thursdays, I go to school from 8:15 am until 2:30 pm. I then go to my husbands job and sit in the parking lot until he gets off work at four and then we drive 30 mins home. The only job I would be able to get would be a part time job, which would be hard working two different shifts with only one car. My husband has one job. We live in a very small town, population less than 10,000 and with an unemployment rate 9% above state average. You think we’re the only ones without a job? I didn’t ask for your criticism, only your advice. You were too busy being judgemental to even answer the question.
And anyway, did I ever say that I was not going to pay the debt? No, I did not. My question was asking if the bank would likely be willing to work out a payment arrangement with me, as I can not pay the lump sum right now.
Thank you, Spock for your answer. To the second poster: This is an example of advice.
The reason I got the car in college was because the original loan was in my dad’s name. My dad got the car for me and made the payments. He later got sick and underwnent open heart surgery and since I had a good, stable job, I told him that I would take on the payments. I then took out a loan in my own name and took over the payments. Had I known then what I know now…. lol

I am working p/t and trying to struggle my way through college and saving some money on the side. I like selling things to make profit, what do I need to become a used car dealer ? I know I will have to rent a little parking lot or something and have the funds to buy some used cars to start but how can I get the used car plates, licenses and stuff ? Thanks!

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