can i get my car back if the repo man took it?

Question

i was not hiding it.

Answer 1

It depends. What the finance company will factor in is the following:

1) How far you were delinquent in your payment?
2) How many times you have been delinquent in payments in the past?
3) Have you broken payment agreements with them?
4) Did you avoid them? Not return calls, not answer the phone when they called?
5) Did the Field Adjuster have to go to your door and demand the unit? (I.E. field adjuster is the repo. Person.)
6) Did you hide the unit?
7) How long have you been making payments, out of the number of payments made, how often did the finance company need to demand payment?

This is just a few of the deciding factors as to what will happen. If you did one or more of the above you are a high risk to give the unit back to. At that time the unit will go to the auction, not back to you.

BUT if it is your first time of being delinquent and you did not lie to them and tell them that the check is in the mail, and if you have not given them bad checks and the run-around in the past what you need to do is the following, the step as in the order of what to do and how to do it.

1) Call the police department governing your city. Tell them you have been repo'd and ask them the name and phone number of the repo. Company. You will later need this for directions to get your car or your property.

2) Call you finance company. *WARNING* *WARNING* The representative very well may have a crappy attitude with you, when they have your car they tend to think they own your world. be nice, trust me it may be hard but it will be in your favor.

When you have the right representative on the line ask him or her the following;

~What will it take to bring my account current?

~Am I being charged a daily storage fee?

~How many days do I have to redeem my unit? This should be 7 to 30 days depending on the finance company and the repo. Company. If the repo. Company has a full lot they are going to want to get it out of there as soon as they can, so they in turn are going to start putting pressure on the finance company to get the unit out of their lot, that means take it to the auction.

~When do I have to pay the repo. Fee? Will it be added on to the end of my payments (about 75% of finance companies will do this if you ask them to) or will I need to pay the repo fee up front. The repo fee can run on a low end 250.00 and 500.00 on a high end. It depends again on how hard the unit was to take.

~Ask them about the storage fee. Ask them to waive it for you if you can get it in 7 days or less. If they will not waive it for you, ask them if it can be added onto the end of the loan, or if you have to pay it up-front. That can run as little as 15.00 a day after the first 24 hours or as much as 50.00 a day starting the first day, depending on what company took the car and what contract that company has with your finance company. Some give you 15 days free. It all depends.

Now, if the finance company will not let you have your unit back you will need to call the repo. Company and find out how to redeem your personal belongings that are in the car.

By now the car has been made ready for auction. That usually happens in the first 24 hours. All of your stuff has been removed and put into trash bags.

I want you to sit down and make a TRUTHFUL list of what was in that car. Do not lie about it as some companies video the clean out. The repo. Company, again depending on who they are, if you gave them any trouble, by that I mean hid the car, went to the door when / if they knocked on it and lied to them, how much stuff you had, etc. You get the picture, will charge you from 10.00 all the way up to and I have seen beyond 200.00 to redeem your stuff.

When you get to the repo. Company take your list and match it against what is in your bag. Make sure you have it all. If you do not have it all, go back to the window, or whatever et up they have for redemption, and tell them what is missing. If they blow you off, and they might, be very polite, go outside, and call the police. Make them come out and make a "Stolen Goods Report" again, be truthful, do not make a false report to the police.

MAKE SURE TO GET YOUR TAGS BACK!

With any kind of luck, you will have one of those cool finance companies that will work with you to get your unit back and all of your stuff will be there when you get it back.

The most you can hope for is the unit still in the lot, and only needing to catch your loan up current to get it back.

Another word to the wise, if you do get your unit back your account will be flagged. A lot of companies have a automatic system that will shoot out a repo. Order at midnight of the night your payment was due. Once you have been hit, they will hit you harder and quicker the second time and only in maybe 20% of those cases get the unit back at all.

Good Luck, you might need it.

Answer 2

I think you will have to contact the company holding your title and see how much you owe and what it will cost to get your car back. It is much better not to let your payments get so far behind that this occurs, but since it has, you may need to borrow some money from the bank, your family, or friends to get it back. You will still owe the money, even if you don't have the car, so I'd be checking on this ASAP.

Answer 3

Well, if it was repo'd for non-payment (which is the case 99% of the time) then you will have a certain number of days to pay what you owe in order to get it back. Otherwise, it will be auctioned off and then you still have to pay what you owe on it.

Answer 4

yes. Just go down to the repo and pay how ever much you owe on it...

Answer 5

It might be a plan to make the payments......because I think that is likely why they repo'd it! There likely will be added charges too.
If it is an old car and not in very good shape........let them keep it and seriously consider "Public Transit"!

Answer 6

i think the only way you can get it back is to pay your car note up to date and then you have to pay towing fees and car lot fees. most of the time, the longer you leave it there, the more it will take to get it out. good luck!

Answer 7

You have to contact the owner of the car and see if you can work out a deal.

Answer 8

yes. you will have to pay what you owe, the tow charges, and the storage fees. if you don't pay, then it will be sold at an auction and then you will have to pay the outstanding balance.

Answer 9

Sure!! but you have to pay whatever you owe back, plus storage, plus the towtruck!!

Answer 10

Make the back payments or bid on it at auction.