the bank wont take my car?

Question

i have a 1995 toytoa celica i have not made my payments for a long time thy said they would come and get it . then i wercked it about $1000 damage to the car i told them to come and get the car but it was wercked told them what it needed to be fixed they told me they dont want the car now to do with it waht i want to but they wont give me the title or any thing what do i do

oh sorry i did not tell you i have just filed bankrupcy to

Answer 1

now you will have to pay it off to get the title, you're stuck with it, you might as well make a flower pot out of it in your yard as you can't even get rid of it to the junkyard without the title.

Answer 2

You cannot sell this car; you do not have the title. You cannot report them for NOT repossessing it- that is their perogative. It went on your credit the first month you didn't make a payment and every month thereafter. Your best bet is to negotiate with them to pay it off. You made a mistake and now you only have one smart way to make it right. Call them and work it out with them. Be thankful for any deal they give you. You made a promise in writing to pay them back the money they loaned to you. Stand by your word. If you don't pay it off, you are still going to be sitting there with a HUGE black mark on your credit, and no car to drive. Fix the car and make the payments. You really don't have any other options.

Answer 3

You should have the title, with a lien on it.
If you don't have it, see about going down to the local DMV and asking them about a duplicate, tell them you don't have the original.
Be cool, just see what they have to say.
Because even with a lien, that's good enough for registration and insurance.

Then fix it best you can and drive it, that's what I would do.

In the meantime, didn't this car get included in bankruptcy?
If so, the title might even be free and clear.

Answer 4

if you got a loan on it you must have full cover ins.Get it fixed thru the insurance co.Banks usually make you fully insure the car until is payed for, if its not insured or you cancelled the ins.then your up sh** creek without a paddle. The bank still wants their money no matter what. they can tap your wages and even make it so you cant get your license or plates until the note is up to date.Better sh*t the money and get it taken care of its not worth the hassle you go thru with them trust me ive been there your in for a really rough ride. and you cant get rid of it without the title or the cops and court system will be involved.In other words the cars not yours it belongs to the bank

Answer 5

I would just talk to them and work out the payments so you can pay for the car and get the title

Answer 6

fix the car. Believe me, they've reported this on your credit. You will be hard pressed with high interest rates when you go to buy another car. Make good on your promise to pay them. Don't be a schmuck.

Answer 7

fix it and sell it or just sell it, or even keep it, youre on the hook for the loan amount anyway even if they write it off its on your credit as a writeoff, so youll have a tough time getting a loan for another one.

Answer 8

Keep the car and get it fixed.... or try to sell it.

Answer 9

report the dealership to your states attorney generals office . they should have repoed it ages ago and did not now it is going to go against your credit .

Answer 10

if you can drive it? drop it off at the bank or tow it call a junk yard and have them pick it up. tell them you lost the title.