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Car & Truck Talk Weight Limit Ahead. Some truckers have another hobby when off the road, their cars and pickup trucks. Discuss your favorite CAR or PICKUP TRUCK here. Automobile chat and more await you inside. What is your favorite personal car, truck, or SUV? Why? Do you go for gas mileage or power?

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Old 07.01.2009
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USA Car repo
Does any one know how long it takes before your car gets repo for not making payments?Any info would be great.
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Old 07.01.2009
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Depends on the bank. 60 days or 2 payments used to be the norm.
But again, it truly does depend on the bank.
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Old 07.02.2009
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I watch that Operation Repo on discovery channel...that job is nuts...and they have said several times that the person was 2 months behind on payments.
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Old 07.02.2009
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I used to work in the car business. Most banks will generally come get it once you hit 90 days some sooner. If you call them and explain to them whatever the situation is they will work with you. Most will even defer a payment or 2 for you if you need it. Unfortunately most people don't think they will and just don't pay or call and then they wake up one morning or come out from work and their car is gone.
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Old 07.03.2009
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Most flag you # 60 days and come after it after 90 days,with todays state of affairs people are paying others to burn their car down in order to get out from under it.
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Old 07.03.2009
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When I lived in Florida (way back when)I bought a car from one of those "buy here pay here" lots
I was two weeks late and boom they came and got it, with a full tank of gas
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Old 07.03.2009
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If you think you will be late, call the finance company, they may be able to postpone the payment to a later date, or be willing to work with you, they would rather work with you than have to repo the vehicle. I have had to do this in the past too.
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Old 07.03.2009
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Quote:
Originally Posted by Hitman View Post
I watch that Operation Repo on discovery channel...that job is nuts...and they have said several times that the person was 2 months behind on payments.
I watch that show also,sometimes they get cars that are 6 months behind.One time I saw a show wasnt operation repo that that the repo men been trying to find a car over a year.
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Old 07.05.2009
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Quote:
Originally Posted by Bigarmin88 View Post
Does any one know how long it takes before your car gets repo for not making payments?Any info would be great.
I would be very careful about this... Did you know that if they repo the car, they can still garnish wages until the debt is paid in full?(It's in the fine print of many loan contracts) And you will NOT even have the car.

Much Much better to call the lender and work something out.
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Old 07.05.2009
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Quote:
Originally Posted by shredfit1 View Post
I would be very careful about this... Did you know that if they repo the car, they can still garnish wages until the debt is paid in full?(It's in the fine print of many loan contracts) And you will NOT even have the car.

Much Much better to call the lender and work something out.
nobody bu the IRS can ganish your wages in TX. that's a state by state thing and you live in a Nanny state

they will repo the car and sell it at auction and send you a bill for the remainder due plus the cost of the roposession.
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