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| Credit Score When Buying a Car? |
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My two cents | I owe on my car, can they freeze my bank account? |
I owe soo much on my account in SC for my car that they will not accept a payment arrangemant or defer a payment. I am saving to by me a used car for no more then 3500.00 dollars. Then I am going to turn this car in. My credit is to bad to buy another car and trade this one in. I got a letter basically stating that they are going to report all my info. to everyone and more. All my mail goes to a pobox and they do not have any other addresses on me. The only thing that has my address is my drivers license. Nothing else is in my name. but i did write some checks at one time to make payments and I am wondering if they can freeze my account. The cosigner which is the primary holder already knows what im going to do.He has everything he wants and will not be needing credit for anything else but owns houses which they might but a lean on but he does intend on selling ever. What else can they do to me or find out before I save to get another car. |
 |
 
SPIFIMAN1
 |
Auto finance is what I do for a living and you and the co-signer are heading for trouble.
They will repossess the car and sell it at auction for far less then it's worth and then come after both of you for the balance plus all fees for repossession, towing, storage, auction, interest and anything else they can think of.
If they take you to court and get a judgment they can attach bank accounts, garnish wages (if your State allows it) and file liens on any other property you or the co-signer may own like cars, boats, land and homes.
This all will show on your credit for 7 years making it almost impossible to get any kind of loan without paying huge down payments, fees and State maximum interest rates. |
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KC
 |
I'd suggest working out a way to pay for the car instead of turning it in. Killing your credit is not a good thing. |
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Christie
|
It's absolutely foolish to be saving money for one car when you've already got one that you're not paying for!
The lender is going to find your car and repossess it, if you don't make some kind of payment arrangement. And trust me, they'll find you and the car - don't think they won't.
Sounds like both you and the co-signer are completely ignorant when it comes to the ways of credit. Yes, the bank can freeze your accounts and they can garnish your wages. You need to straighten this mess out, and quick! |
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ted_l_smith
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Unfortunetly you need to phone them and tell them to reclaim this car. Agree to drop it off right away and take your plates off.
If I was you just take the bus until you get out of debt because you are now officially listed as a credit list and people will only take cash from you. It may take you a year of taking the bus, walking, biking, or hitching rides with friends but don't take your co-signer down with you? A car can cost between $500 to $1000 a month. Why do our brains tell us we need one all the time?
Bill collectors deal with people like you all the time. They seem to like doing it. |
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ga.peach67
 |
That is a tough one. I had gotten many payments behind on my car about 7 years ago and they wouldn't accept payment arrangements. They came and got that sucker in the middle of the night! I had to call my parents for a loan and not only had to pay up to get the loan current but impound fees also. See if you can borrow money from a relative since your credit is bad at this point you won't be able to get a loan from a traditional banking institution. Find out the bottom line amount they will take before repossessing your car. I do not think they will freeze your account (they didn't mine and had ALL my checking information on file) but they will take back what belongs to them, the car. I know you are in pain right now, but there is a light at the end of the tunnel. Hard lesson learned. Good luck and God bless!! |
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Elayne
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My friend had his bank account seized, but he was being exceptionally difficult and he owed about $10,000 in credit cards and was simply refusing to work with them.
If you try to work with your creditors and pay a little bit each month, they wont seize your accounts.
You might try getting a car at an auction if you know how to do minor maintenance on cars or know someone who does. I got an auction car for $250, it needed brakes and a tune up. I spent about $100 fixing it up and it runs fine. |
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martin e
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At this point if the amount you owe on the car is over approx. 4months of payments the finance company is probably going to want full payment of the loan.
If I read you question correctly you have no intention of paying any more on the car and are getting ready to purchase another in full.
What I would suggest is that you purchase your used car A.S.A.P. and call the company to pickup the other. It is better to relinquish the car than have them repo it. The finance company can freeze you accounts but usually don't.
The finance company will track you down somehow. Usually through the address on your driver's license. |
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Missi
 |
I have never heard of them not accepting some sort of payment plan. If you were to mail them a check and they were to cash it, then you'd be ok, because they cashed the checking and it basically shows that they will accept payments.
You shouldn't really destroy your credit though and have a repo on your credit.
Best of luck to you but really, try and get this straightened out before they come knocking on your door to take your car away. |
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