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jet-ski repo

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  • jet-ski repo

    my bk was discharged on jan. 13. I have an 07 jetski that i surrendered and nobody has come to get it yet. what are my options? Is there a timeline or something of the sort before it is mine? I havent paid on this in like forever! It is financed through ge money bank. I have heard absolutely nothing. Any ideas?

  • #2
    No ideas! Does GE Money Bank (GEMB) have a lien against it? If not, it may be unsecured debt. That means you'd own it. There is no timeline. They may not even want to come and get it. If it's registered with your State, check to see if it has an actual recorded lien. If it does, then contact GEMB and see what the story is.

    If you don't want it anymore... hmmm... I might come and get it.
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog

    I am not an attorney. Any advice provided is not legal advice.


    • #3
      i would certainly think they have a lien against it. i don't have the title, but i would think they would want it back! i have heard absolutley nothing. I havent paid on this since around august of 09! not sure i want to contact them since its summer now and ive used it a couple times. I'm just wondering if there comes a time where legally it becomes mine.


      • #4
        The can legally come and get it at any time before you make full payment. Of course, that's if they have a valid security interest as documented by a lien being recorded against the title.

        Contact your DMV and check the liens on the title.
        Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
        Status: (Auto) Discharged and Closed! 5/10
        Visit My BKForum Blog: justbroke's Blog

        I am not an attorney. Any advice provided is not legal advice.


        • #5
          Repo'ing special items is a pain in the ass. There is no time line for it to be "yours". Let me ask this. Is it worth anything? Is it locked up? Have you called them and asked them to come get it? I ask because items like this are usually locked away and they cant just come in your garage and take it. They would have to take legal action to take it (replevin) and its a special item repo (more money).


          • #6
            If you do not have the title you will not be able to do anything as to the jet ski since it is obvious there is a lien on the title. The lien would have to be removed before you could do anything. It is in your best interest not to use the Jetski in case something happens to it and contact them as to the situation. Are you carrying insurance on it while in your possession? I hope so because if you are using it and hit someone or cause an injury while out on the lake or wherever or someone's kid decides to take a joyride when you are not around you could have one hell of a situation on your hands...investigate and ensure they come get it.
            Filed 5 Year Chapter 13: April 2002
            Early Buy-Out: April 2006
            Discharge: August 2006

            "A credit card is a snake in your pocket"


            • #7
              Call them up and offer them some token amount to send you the title and see what they say.

              But when it comes to security interests, there is no point in time that allows you to automatically claim the items are yours and go get a new title.

              However, if you are game, you can sue them in state court and argue that they have abandoned their interest in the property by taking no action. Whether that will actually work is another question, but it is an idea. In essence, you would be turning the tables on the creditor and hoping they would not respond (but you need to make absolutely certain they were properly served), and then the court may enter default judgment on your behalf (assuming your state law provides some legal bases for abandonment of property).
              Last edited by HHM; 06-25-2012, 05:36 PM.


              • #8
                I had a 5th Wheel that GEMB had the loan on. I called after filing and told them I was surrendering (I was only 30 days late when I filed so they weren't chasing me.) They said, "fine, call us when you are discharged." I was a little surprised because I had fallen behind a year earlier and they were relentless. Once I was discharged I called and they had someone come pick it up within the week.

                The repo guys were like, "Man, this thing is in great condition!" I guess they mostly repo junk, lol.

                Anyway, I'd call GEMB and arrange for them to pick it up (if you don't make arrangements to buy it out as HHM suggested). Why not move on as quickly as possible? Having that thing hang around will just be a reminder that you have unfinished business.
                Case Closed > 2/08/2010


                • #9
                  Speaking of boat repos. There is an unused piece of state property in my town, an old state police road station, looks like an old house, but it has a big parking lot. It's been empty for 7 years.

                  Well, about a month ago, a boat appeared on the property, tucked halfway into one of the disused garages. I'm thinking, either repo or abandoned by the owner for lack of repo.

                  Few days ago, another boat shows up there. Neither one looks particularly new.
                  My suspicion is that someone(s) has realized this is a "free" storage location for their
                  repo boats. You would think eventually they'll track down the owner and write them a ticket, except maybe the ticket would be uncollectable, and they have to seize the property in payment. Which gets back to where we started, abandoned boats on state property.
                  filed chapter 13..confirmed...converted to chapter 7...DISCHARGED!


                  • #10
                    just thought i'd scrape the dust off this old thread....I still have the jetski and no one has ever said anything. It is never locked up. It sits outside under a cover.


                    • #11
                      I think it is safe then.....
                      "To go bravely forward is to invite a miracle."

                      "Worry is the darkroom where negatives are formed."


                      • #12
                        what are the chances of ever getting a title?


                        • #13
                          Is there a such thing as applying for a lost or abandoned title??????



                          • #14
                            There is in Florida. But what used to cost around $15.00 or so, now costs nearly $100.00, if not more...
                            "To go bravely forward is to invite a miracle."

                            "Worry is the darkroom where negatives are formed."


                            • #15
                              Yes, Florida has a "lost title" application, but most all our titles are electronic. If there is a lien in the computer, then there will still be a lien listed on the title unless a release of lien is filed.
                              Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
                              Status: (Auto) Discharged and Closed! 5/10
                              Visit My BKForum Blog: justbroke's Blog

                              I am not an attorney. Any advice provided is not legal advice.


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