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£35.00 GBP
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 Paying a private seller 13,000 dollars? |
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 HELP I put 20 dollars in a changer at a car wash and it kept my money? |
| I called my police dept and they sent out a car only to say they were sorry to leave a note, there was no contact info anywhere at the business anyone know what I can do to get my money back?... |
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papavedder | I am a cosingor on a past due note on a vehicle. what rights due i have? |
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i am cosigned with my son !!!! can I legaly take the vehicle with out the bank filing reposession, we just have been notified that we are in default, I am sure that he is going to leave the state with no intentions of paying the rest of the note.
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Stinger
 |
You have the right to pay it yourself. The creditors look at you the same way they look at the person you co-signed for. It screws their credit up and yours. Try to get them to pay it or pay it yourself to keep it from screwing your credit up. |
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parshooter
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You have the right to pay the balance of the note.
Hopefully you will not cosign another one. |
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asmikeocsit
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They are right. |
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Frank Castle
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You have to pay that car as soon as possible before your credit score is damaged. |
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hkfilmfan
 |
Pretty much none. You're the co-signer, so the bank is looking to you to get paid. If you don't pay on it, they'll slap you with the same liens and bad credit rating as the original borrower. :( |
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♥My 2 Cents♥
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talk to a lawyer but it is going to be your responsiblity to take over payments and you will want to keep reciepts of the proof you have paid |
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Princess
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Not many. You will be held liable for the amount due on the car. But, if you end up paying it (which you will probably want to do unless you want ruined credit), you can sue the person who actually has the car for the money. |
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Hippie Chick
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You are both EQUALLY responsible for the debt. Whether your name is 1st, 2nd, 3rd on the note makes no difference whatsoever.
Who did you co-sign with? Are you in a position to get the vehicle and sell it if necessary? Can you MAKE the payments if needed?
THE MOST IMPORTANT THING IS COMMUNICATION WITH THE BANK. Call them..tell them your plan of action (ex..you will sell it, you will make the payment). The bank WILL WORK WITH YOU as long as there is COMMUNICATION...they will work with you as long as they CAN anyway. Banks are not in the business of repossessing properties...they want their money...ESPECIALLY on a vehicle...it's probably not worth what you owe.
IF YOU CAN SELL THE CAR..OR even if you can make the payment...just not RIGHT NOW, ASK THE BANK FOR A PAYMENT EXTENSION until you can get your ducks in a row.
If the note goes bad..it WILL be reflected on your credit. A person should always think very seriously before they co-sign ANYTHING....just for this reason.
Take it from me...a former loan officer at a bank...COMMUNICATION is KEY. The bank must assume that you have no intention of paying if they don't hear from you and when they think that, THEY WILL COME AND TAKE POSSESSION OF THEIR PROPERTY.
That is the ONE mistake people always make when they get behind on payments....they get embarrassed and they won't call the bank...THAT is when you get into trouble. There comes a time when you have to swallow your pride, suck it up and just tell the bank what's going on. THAT is what they want to know...what's going on...just tell them.
Call them.
Good luck. |
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x
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You have the right to get the car!
After all, you are the cosigner...
If your son defaults, then the bank will not go after him, they will go after YOU, because you are able to pay the loan off.
I have seen many instances of this, where the Parent has taken the car back and paid off the loan...They either end up selling it, or using it themselves...
Oh, your son has not right to take it, out of State, if you insist on the police interfereing with this action!! Since he is in default, ITS YOURS! If he wrecks it...BINGO...you got liability! Keep full coverage on it, in both of your names is you let him take it...and DONT give him the title!! He will sell it, and your still out!
I wish you well...
Jesse |
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biketrdr
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You must meet the note obligations. You can pursue the person you signed for via the legal system. |
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