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Car Got Repo'd- Now What?!?

In my state, it is illegal for the repo guy to take your car if you tell him not to take it. Well, this guy did anyway. Now we have no transportation for dh to work, or in a week for the girls to get to school. Things got a little out of hand with moving and deposits on stuff, and we fell behind with our payment, but they are acting like we were trying to steal the stupid car! They say we can't get it back without paying the remainder of the note, plus repo fees and whatever, which comes out to almost $9000, more than our original loan! What can we do at this point? Will we be able to do a 'right to cure'?

Answer Question

Asked by Anonymous at 3:56 PM on Jul. 31, 2009 in Money & Work

Answers (7)
  • Buy a new car for like a couple hundred dollars.

    Answer by Anonymous at 3:58 PM on Jul. 31, 2009

  • You should buy a new car, a very economical one with extremely low payments. There are many good deals right now.

    Answer by nanaevelyn at 3:59 PM on Jul. 31, 2009

  • Are you certain about the law?

    Is there public transit in your area?

    Answer by rkoloms at 4:06 PM on Jul. 31, 2009

  • OP here: No- we are in a very rural area, and there aren't even any taxi services nearby! I'm losing my mind here!

    Answer by Anonymous at 4:10 PM on Jul. 31, 2009

  • They had a right to repo it. You should have made some kind of payment instead of none at all. Buy a clunker out right, no loan, until you get on your feet.

    Answer by Anonymous at 4:12 PM on Jul. 31, 2009

  • This happened to a couple I know in 2000. You cant get the car back unless you pay in full. They went and got a new automobile and financed it quick before the repo showed up on their credit. They then went and filed bancruptcy quickly so they didnt owe for the old car and got to keep the new car so he could go to work. The car they got was alot cheaper than their repoed car. Although bancruptcy is bad you can recover from it they even have their own home now.

    Answer by okmommy08 at 4:35 PM on Jul. 31, 2009

  • find something that dose not braek you,i drive 125dallar van still going with duck tape all over it still goes everywhere .my kids laugh but it runs. i sale avon 10dallars to start at home or call glad to hear from you.

    Answer by HAPPYWJOY at 2:02 PM on Aug. 1, 2009

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