Making vehicle "Unavailable"? (Part Deux)

[Genenco]

OK let's see if I remember...

One poster here, was being chased by repo guy who was making all sorts of threats to reclaim vehicle.

I was also asking what are the legal ramifications of hiding the vehicle until I filed....

IN both cases, we're trying to keep the vehicle, but we both wonder if what we are doing is illegal?

We have no plan to cheat, rip off or shaft anyone, just need some more time...

OK, answers??

[HRx]

Have you been in contact with the lien holder? You're better off dealing with thier recovery department, to see if you can buy yourselves some additional time. If you try to hide a vehicle worth some significant value, they;ll hire investigators to track you down...so they can recover whats rightfully thiers. There have been cases where a lien holder, had to get local authorities involved to assist in thier recovery efforts...but i've only seen this occur within the likes of expensive luxury cars.

[StaciMM]

I do know that its a crime (don't recall details) to take mortgaged/defaulted property across state lines. My Ex-Sister in law handled the business end of a repo business, where my brother did the repos. Not on speaking terms w/ her now though so I can't really get the details!

I don't think that is something that is pursued often, as it would probably not be worth the lien holders time/effort.

[Genenco]

Have you been in contact with the lien holder? You're better off dealing with thier recovery department, to see if you can buy yourselves some additional time. If you try to hide a vehicle worth some significant value, they;ll hire investigators to track you down...so they can recover whats rightfully thiers. There have been cases where a lien holder, had to get local authorities involved to assist in thier recovery efforts...but i've only seen this occur within the likes of expensive luxury cars.

HRx, (Tom) Oh have I tried..I tell you, it like I said. "Easier to get into the hole then out"

I have tried to negotiate partial payments (They want $490 I offered $300, but 2X a month) and everytime I have sought some form of "Delay or extension" it has been "Nope, our way only"

Even tried to finance house purchase (With cash out for bills) and again it's "Well, we don't think you can pay this and CC too" (Hello? I'm doing this to clear the debt you moron!)

I'd never try to keep it when all hope is gone, that's not fair, but I was thinking of "If there's a chance in 30 days, let's consider it"

But from your response, probably best to say screw it and let them take it and be done with it.

[Genenco]

I do know that its a crime (don't recall details) to take mortgaged/defaulted property across state lines. My Ex-Sister in law handled the business end of a repo business, where my brother did the repos. Not on speaking terms w/ her now though so I can't really get the details!

I don't think that is something that is pursued often, as it would probably not be worth the lien holders time/effort.

That's sad (You and Sis aren't speaking) as this is also occuring with my family...Makes for a PITA of a Thanksgiving and with Christmas coming, it'll suck... (Older and Younger sisters at odds, I'm trying to maintain sanity)

[StaciMM]

Geneco-
Its my sister in law, and not by my choice. (Kind of a mixed of story, and you'd have to know her family for it all to make sense.)

Early this year, her mom passed away after a long bout w/ kidney disease and some other issues. My SIL, 31, is the oldest of 4. At that time, her brother was in jail, and his wife was very much pregnant. SIL had to take her in. She also had 2 younger sisters-ages 16 & 17. THe 17 year old had a 2 year old son, and also was pregnant. SIL took them in-they had all been living with her mom. So, in addition to her 3 kids (ages 13/9/7) she took 4 others w/ 2 mor on the way. I think that, as well as knowing that she has some of the same medical issues but at earlier stages as her mom did, pushed her into a crisis of sorts.

People tried to help-she refused. Ultimately, she stopped paying the mortgage payment, started messing around w/ someone who used to be good friends w/ my brother, and decided she wanted a divorce. Now, her sisters are living w/ their boyfriends and I'm not sure where she is staying. My brother took all of this as quite a shock-didn't know ANY of it until they were evicted/foreclosed on. Since they worked together and her part was handling all of the business end, it basically put him out of work also. Now, my SIL wants nothing to do w/ him and has very little to do w/ their kids. He was able to find a job, and rented a house from a friend's mom. He has the girls, and most of the time he has the nephew also. Not sure where the babies are, but he took the nephew so that child services didn't take him. (Wherever my SIL was staying apparently wasn't fit for kids.) Our sister (lives closer to him than I do) does what she can to help out.

[egul105]

I;ve told this story before, but it's so funny, you'll appreciate it! Right before I filed I was 30 days behind on my truck. They called, and were just like your creditors, completely unwilling to work with me. Well a friend lent me the money for a down payment on a car (which I have already paid him back) and I called CarMax. God must have been watching over me because I told them what was going on and I got a loan anyway! So I bought a 2005 Dodge Neon with $200 less payments a month. In the meantime, my other lien holder had told me they were coming to get the car that day if I didn't pay them. So I called them back, and said, "Hey you can have the truck where do you want me to leave it?" All the sudden, his personality changed and he started stuttering. Suddenly, it was, "well what can we do to help you keep this vehicle?" I told him I was sorry but it was too late and to please come get it. They called me every other day for 3 weeks trying to lower my payments, etc so I would keep the vehicle. I finally just about had to beg them to come get it! I'm not saying take that risk because it may backfire on you, but you may have more to work with than you think!

[Genenco]

I;ve told this story before, but it's so funny, you'll appreciate it! Right before I filed I was 30 days behind on my truck. They called, and were just like your creditors, completely unwilling to work with me. Well a friend lent me the money for a down payment on a car (which I have already paid him back) and I called CarMax. God must have been watching over me because I told them what was going on and I got a loan anyway! So I bought a 2005 Dodge Neon with $200 less payments a month. In the meantime, my other lien holder had told me they were coming to get the car that day if I didn't pay them. So I called them back, and said, "Hey you can have the truck where do you want me to leave it?" All the sudden, his personality changed and he started stuttering. Suddenly, it was, "well what can we do to help you keep this vehicle?" I told him I was sorry but it was too late and to please come get it. They called me every other day for 3 weeks trying to lower my payments, etc so I would keep the vehicle. I finally just about had to beg them to come get it! I'm not saying take that risk because it may backfire on you, but you may have more to work with than you think!

Oh I wouldn't hurt a bit if they took it, I have a good running car I use mainly. This was a sort of winter/rough road driving vehicle.