when will they repo my truck?

Question

I bought my truck with best intentions and got into finacial problems and could not make the payments anymore, and on top of that i was sent overseas where i still am. its has been about 7 months now and i have not made a payment , I have tried to contact the bank to ask what my options are or if they could drive to my house and repo it but have not recieved any response,it is very hard to make phone calls out here so that is not really an option. i am from california and had some mail re-directed to my moms house but she says she has never recieved a "right to cure" letter. I undestand 7 month is a long time and just am wondering if whenever i do come back to the states will i have legal action taken out on me? what shouls i do?

YES I AM IN THE MILITARY AND I WAS GOING TO HAVE MY MOM TRY AND DO SOMETHING BUT SHE IS VERY OLD AND I DID NOT WANT TO PUT ANY STRESS ON HER LIKE THAT, THEY STILL HAVE NOT REPO THE TRUCK BECAUSE SHE SAYS ITS SITTING IN HER BACK YARD..I REALLY WANTED TO LEAVE THE MILITARY OUT OF IT ALSO, THEY WOULD MOST LIKELY TAKE DISCIPLANRY ACTIONS TOWARDS ME.

Answer 1

Been a few years since I was in Special Credits dept, and Im not familiar with the laws in California, but this should get you started.
First, get a specific power of attorney for your mom so she can deal with the bank directly. Then she can go and actually talk to someone face to face and get the facts of where you stand. They may already have your truck, most banks will pick it up(repo) within 90 days of first delinquency.
If you are military, you may have some protection under the Soldiers and Sailors Act that is giving you some extra time but if I remember correctly you must request that leniency.
The military also has legal help, check it out and aska for help. My $.02 worth

Answer 2

You said you had mail redirected, but you didn't change your address with the DMV? The DMV will not forward information. Are you in the military? If so, garnishment action has not taken place? Does the lender know your employer, or where you work? I would think something, or some kind of action has been taken. Normally, it would be repo, but some financial institutions write it off as a bad debt, messing your credit up for quite some time. You could have a family member, take the car to the lender, tell them the situation and you can either do a voluntary repo, this will harm your credit for years, or make some kind of payment arrangements. If they are willing to work with you, go for it. Your family member will need Power of Attorney, to proceed forward representing you. The lender could also put a judgement against you, you would be notified by the court of this, and the info would be sent to your last known address, and may not have been forwarded. It sounds like it would be easier to have the family member help out, at least you will know what is going on with the situation, sitting and not knowing, is very stressful, try to get the POA to find some resolution.

Answer 3

keep up the contacts, ask your comander for areas to persue on the matter