if my car payment is 90 days past due how can I save it from reposession?

Answer 1

pay them

Answer 2

It depends on your financial situation. If you have the ability to catch up on some payments, one or two, then make those arrangements. If you can't pay any, the first thing to do is, as another person here suggested, ask the loan company to roll the payments to the end. You will have to have a good reason / hardship. It would be better if you could pay one payment as a show of good faith.
Now if you cannot pay a payment and you are totally financially strapped, you may want to contact an attorney about a possible chapter 13 bankruptcy. I dont know if you have a lot of other debts. I believe it is possible to keep your car in a 13 and somehow they work out the back payment issue. Im not an attorney, so I dont know the logistics of it, but you can get a free consult at most any bankruptcy attorney.
Your BEST bet is to talk to the company first.
Also, if it does get repossesed, you wont get it back unless you pay all the past due plus the added fees of the repossesion, all at once. So it will be gone. Hide the car for sure until you know what you're going to do.
Best of luck.

Answer 3

Yes, if you want to save it and you have the means... Contact them and let them know you have had some problems and make some suggestions to rectify the problem. If YOU are proactive about it they will respect you some more. If you never talk to a company then they can't try to work with you... I used to work for a company that did the initial scout so that they repo guys could come. I would check to see if the car was there, scout the area and attempt to see if the "owner" was there and was willing to negotiate...

There is always a chance, but if you don't try to make it happen or if you don't keep your word then they won't try to work with you. If you are in need of making some extra money to help out take a look at my "Honest Opportunity" blog. I have EASILY made 5 to 700 extra bucks a month and often more than that...
Good luck either way... I hope things work out for you...

Answer 4

Try to make whatever payment you can to get that delinquency down real fast, although they may say pay the whole 90-days or face repo. If they want to repo it say, on Monday, but you get paid on Tuesday, hide the vehicle in someone else's garage so they can't find it, make your payment, then call 'em and tell 'em you did.

Or, if you just can't make the payment at all, start checking to see if you can't refinance the vehicle pronto with another loan company. It's a longshot, but worth a look.

Answer 5

Contact the lender ASAP and see if they will arrange a re-payment schedule with you. Most will because they lose money by repossessing cars.

If the car ends up being taken, remember that you'll still owe the balance between what you owed the lender and what they end up selling the car for...

Answer 6

A repo car is a finance company's sweetest dream: You still have to pay the balance of the loan, and they get to sell the car.

Never park on the street.

Answer 7

Ask the loan company if they will put one or all payments on the end of your loan. Probably have to give a good reason. Or just park it at someone Else's house!

Answer 8

start making payments

If you do lose it, though, get a bike. Hopefully you bought the bike with the money you didn't use for your car payments.

Answer 9

Park you car in your friends garage! AND at the meanwhile try to find some money.

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Answer 10

Look out your window.....it is probably already repo'ed.