im behind 3 payments on my car ?

Question

do you guys think they come and take it help!!

Answer 1

Well at some point the answer is YES! You should call the bank or where you got the car and try to work out a payment of some kind. Banks can move payments or tack them to the end of your loan, you need to ask what they can do. Not calling just makes you look bad. People get in ruts everyday with money "payments"
don't be afraid to ask! Good luck.

Answer 2

My husband used to do repossessions, so yes, they will come and take it. All banks have different policies on how long they'll let you go before repo'ing the car.
Your best bet is to call the finance company, explain why you're so behind, and set up an arrangement to catch up. They may be lenient and allow this, or they may demand the return of the vehicle. Most companies will work with you as long as you make an effort. Try offering a portion of the past due balance today, with a percentage to be automatically deducted from your bank account each week. It shows them you're serious about paying your debt.
In the meantime, the only way to prevent them from taking the car is not to park it at work or home, or to make sure it's completely blocked in by other cars - they can't touch the other cars. Some local police departments will help the repo guys out, though, by coming to your house and asking you to turn over the keys or move the other vehicles.
Just realize, that if they do repo the car, you're liable for the balance of the loan, the repossession fees, and the fees to prep and resell the car. They'll deduct the amount they receive (usually at auction, and usually MUCH less than you owe) from the balance you owe them.

Answer 3

Yes, I think it's just a matter of time before they come for it. They will not ask you for the keys to the car and they will not ask permission. They usually come in the dead of the night. A tow truck will search it out and when they think they spot it, they will drive by once or twice to assess the neighborhood and to make sure no one is around. Someone will get out of the tow truck and quickly check the VIN number and if the car is parked tightly between two cars, that won't stop them. They will pull the car out sideways and in a second or two, they will drag the car away and the car will make sounds of protest because of the abuse. They'll drag it away and somewhere down the street, they'll secure it and they'll be off.

I've watched this I don't know how many while I was out walking my dogs at night.

The only way around this is to help yourself. Either call your lender and tell them you will pay up and if you don't have the money, beg them to work with you in catching up with your delinquent account. But if there's no recourse, then you will have to resign yourself to the fact that you will soon be without a car. Save your change for the bus.

I hope things work out for you. Good luck.

Answer 4

Judy ... Come on and be serious. If you had an auto sales business and many of your customers fell behind with their payments by three months, you'd be out of business ... unless you just liked giving cars away.

I hope you can catch up before you lose your ride completely.

Answer 5

They can take it as soon as you miss a payment. You're darn lucky they haven't taken it already.

Answer 6

they're coming, betta talk to the bank and work out some kind of payment schedule quick....

Answer 7

I'm surprised they haven't already.

Better call them. Repo guys don't negotiate. Once they get hired - the car is gone.

Answer 8

yes, you better keep it hid or catch up the payments

Answer 9

If you have gotten a warning letter from the lender saying so....uh, yeah!

Answer 10

Yep.....better make sure you don't leave any personal things or anything of importance to you in there........'cause you'll play hell trying to get them back!