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Question about car repossession

Does anyone know if Chryslere Financial will send you notification before they repossess your car? We have been having so many problems latly with me being off from work due to pregnancy issus that we are behind now. ALmost 2 months. But i sent them a partial payment in the mail yesterday. I have given up on talking with them because they are so rude and always try to make me set up a payment over they phone and charge me a fee. I can't pay it if i don't have the money. My question is do they send you a letter when they are going to repossess it or do they just come and take it?

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Anonymous

Asked by Anonymous at 3:01 PM on Aug. 6, 2009 in Money & Work

Answers (12)
  • You should call them and relinquish the car willingly. It will be way less fees
    Anonymous

    Answer by Anonymous at 3:03 PM on Aug. 6, 2009

  • come take it :(
    have had a repo from them.... 4am on a work day. didnt even let us get carseats out of the vehicle. don't waste your time on a partial payment. they'll probably even tell you that themselves. its not a sign of good faith at all.
    you need to refinance OR set up a payment plan for the back payment. and make sure its out of "repossession status" before you pay a penny.... you'll need that $$$ for a cab or a junker if they take it.
    Anonymous

    Answer by Anonymous at 3:04 PM on Aug. 6, 2009

  • repossession status is the buzz word. call and ask them that. and if it is.... GARAGE GARAGE GARAGE. it is not illegal to hide it out for a little while while you try to scrape the $$$ up. also consider warning people u listed as contacts/references before the humiliating ph calls begin. and make sure important items, paperwork, etc is out of the car.... just in case it goes
    Anonymous

    Answer by Anonymous at 3:06 PM on Aug. 6, 2009

  • they usually won't bother as long as you pay something. They do realize there is a recession. Didn't THEY just have to be bailed out? lol
    admckenzie

    Answer by admckenzie at 3:06 PM on Aug. 6, 2009

  • they wont flat out say or send a letter saying "we're looking for it" or "we're coming to get it sunday at 3:38pm" cuz DUH you just wouldnt be home.
    Anonymous

    Answer by Anonymous at 3:07 PM on Aug. 6, 2009

  • I thought as long as you are making payments even if its not the full amount they will not take the car.


    If someone is giving you a hard time about making partial payments try to deal with someone else to explain your situation and hopefully they will be easier to work with.


    try paying it online or send a check...the fee to pay online can be outrageous (sometimes they will waive the over the phone payment fee, if you can pay the whole monthly amount including late fees)


    My cousin was behind 3 months and they did not notify her about a repo, she just went outside to go to work one morning and her car was gone...

    virginiamama71

    Answer by virginiamama71 at 3:09 PM on Aug. 6, 2009

  • not true, admckenzie. a common misconception of people with $$$$$. a good faith payment means nothing. u need to be current within a certain # of days or it's GONE.

    U send them a check, OP? call and see if you're in repossession status... if you are... cancel the check. it's throwing the $$$$ away. if things are very, very bad hurry hurry hurry and secure a new car thru another company, car lot, whatever. because once the repo (either they come get it or you do a voluntary repo) is on your record, no one will lease or sell u a car for a long ass time.
    Anonymous

    Answer by Anonymous at 3:10 PM on Aug. 6, 2009

  • To the anon. who said: "You should call them and relinquish the car willingly. It will be way less fees "

    that is STILL A REPO... it's just called a voluntary repo and it's just as bad... sometimes worse. they then tack on towing, storage, and garbage or disposal fee's for any and everything in the vehicle. and you're then looking at daily fee's until it goes to auction...!!!!
    Anonymous

    Answer by Anonymous at 3:12 PM on Aug. 6, 2009

  • Anon :12- it is not worse. You take it back to teh dealer....it's way better than having them come and take it and paying all those fees
    Anonymous

    Answer by Anonymous at 3:27 PM on Aug. 6, 2009

  • omg... it's still a repo. it's listed as repossessed. there's still fee's ... just slightly different ones. at least keep the car in order to work and keep money coming in long enough to secure another vehicle. take it to the dealer... and take a cab home? the financing company will still goto the dealer and pick it up.... on a tow truck. same fees, same credit problems, same everything.
    Anonymous

    Answer by Anonymous at 3:33 PM on Aug. 6, 2009

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