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My car almost got repossessed because of ”lack of payments". However, I OWN my car.
The place where I bought my car was through a Mexican Car Dealership that self finance.
It’s the kind of place that gets wrecked cars but fix them enough to sell them.
Don’t judge…I was desperate and needed a car.
Anyways, last night the ”repo men” tried to repossess my car.
But I OWN it-I showed them my title and he said he legally can’t touch my car now and he took my information down and said he would contact me.
Anyways, this paper he had said I made my last payment on 01/04/11 and I owned 0…wrong!!
I paid it all off…I DID have all my reciepts but I threw them away when I moved my things into a different house. But all my informatioin they had was the same expect for the physical address and I never got anything in the mail saying I was behind in my payments.

Anyways just wondering can they still repossess my car? Is there a time frame when they are suppose to repo the car instead of EIGHT months later? Will I have to go to court? What are the things I need to prepare myself for? [So to speak...and if I go to court is there a way of winning?]
it was self financing…i didnt go through no bank or nothing! all i did was put 0 down one week and put another 0 so i could get the car then made 0 payment per month in the middle for a year…and i paid with cash everything and they hand wrote me a reciept….which i dont have anymore.

btw…i live in oklahoma but bought the car through kansas if that makes a difference.

My Sister Has A Used Vehicle,(2004 Dodge Neon). which has been taken from her work place without her notification, she had recently gone to court with the dealership where she got the car from, claiming that she was 2 months behind on payments. she had asked them why they filed through court instead of contacting her about it. when she went to court she proved by her reciepts and check stubs that the payments were up to date and that the only payment that was needed would be next months payment.

the owners of the dealership went to her work place and repossessed the car the next day after their claim was denied. now they are in possession of the vehicle and are claiming that since they got the car back they dont want to go back to court,(they re-filed another claim,which they have just today dropped!), and are now telling my sister that she needs to come up with the remaining balance of the car which is ,656. Or they will be selling it off by auction in another state!

To me, I think that it is not fair what they are doing to my sister and that the contract that was signed by both parties is still effective seeing that it’s not up until february of 2011, which gives her plenty of time to pay the vehicle off!

on the day of the "theft", my sister reported the car stolen to the sheriff’s department and they said since it was taken to court they have to deal with it through the court and there was nothing they can do.since all of this has happened the dealership has called and said that she has 10 days to come up with the money or else!

How Can We Go About Getting My Sisters Car Back Before Anything Else Goes Wrong?
Any Tips Will Help, Please And Thank You Very Much!