If a vehicle leased to you is being driven by ex-fiance who refuses to make payments can you get it legally repossessed?

1. How do I repossess my ex's car?
2. When can a leased car be repossessed?
3. Can you be sued for not paying a car loan?
4. Does the borrower have to be present when a vehicle is repossessed?
5. What can I do to get my car back from my ex?
6. What happens when you default on a lease?
7. What happens when you default on car lease?
8. What happens if a leased car is repossessed?
9. How long can you be sued for a car loan?
10. What are the consequences of not paying your car loan?
11. What happens if I refuse to pay my car loan?
12. What are the repossession laws in Georgia?
13. What happens if the bank never repossessed my car?
14. What are the repossession laws in Illinois?

How do I repossess my ex's car?

You need to contact the original lender to give notice and for advice. They may repossess. You may need to file a replevin action in the district court.

When can a leased car be repossessed?

Believe it or not, under California law, even if you are only one day late on a payment, the creditor can generally repossess your automobile. However, unless you leased the automobile, you are entitled to “reinstate” the contract by paying the past due monthly payments plus any repossession and storage costs.

Can you be sued for not paying a car loan?

If your car-loan lender repossesses your car, van, truck, SUV, or other motor vehicle, it might sue you to recover any money you still owe on the loan (called the "deficiency"). If a repossession happens, you'll need to decide if it's worth paying an attorney to help you.

Does the borrower have to be present when a vehicle is repossessed?

Repo agents can take your car without notice and without your presence, but they must be licensed with California's Bureau of Security and Investigative Services (BSIS).

What can I do to get my car back from my ex?

Make a copy of the registration, and give it to a repo company. Go to the parts department of your auto dealer, and purchase another set of keys to the car. Take the keys and a copy of the registration to a repo company, and ask them to...

What happens when you default on a lease?

What will happen if you default on your lease? ... If you fail to remedy, then your landlord will seek recovery of the rent payable under your lease, including the unpaid rent and remaining future rent, on top of any legal costs and costs incurred for cleaning the premises.

What happens when you default on car lease?

You may be liable for early termination fees

Defaulting on a lease or voluntarily returning your vehicle to the lessor can trigger a substantial early termination fee. ... If you are unable to pay the early termination fee, and default, the lessor can report the amount of delinquent fees to the credit bureau.

What happens if a leased car is repossessed?

If the leasing company repossesses your car, you'll likely owe a sum of money. ... In this situation, not only will you lose the car, but you'll also owe a sum of money to the leasing company, like for the past-due amounts, the remaining lease balance, certain costs, and other amounts even after the repossession.

How long can you be sued for a car loan?

Written contracts on auto loans have a four-year limitation in California, but only if the lender attempts to sue you in court.

What are the consequences of not paying your car loan?

A delinquency on your loan payments will stay on your credit report for seven years. Your car could be repossessed. When you get an auto loan, the car serves as collateral for the loan, meaning the lender can take the car if you're delinquent.

What happens if I refuse to pay my car loan?

The Lender Will Repossess the Vehicle If You Can't Make Your Payment. ... If you fall behind and can't redeem the loan, it can repossess the car (take it back) after the first missed payment and sell it at auction (more about the repossession sale below).

What are the repossession laws in Georgia?

Under Georgia state law, if you are late on your car payments or have defaulted on your lease or finance contract for your car, the creditor has the right to repossess the car, sell it and then possibly sue you for the rest of the debt.

What happens if the bank never repossessed my car?

WHAT IF THE LENDER DOESN'T REPOSSESS YOUR CAR? This means that: You are stuck with it – if the lender doesn't come to pick up the car. You can't sell it – because the lender still has the lien, and selling it would be committing a theft.

What are the repossession laws in Illinois?

By agreeing to the loan, you permit the vehicle to serve as "collateral" that the creditor can repossess if you don't make your payments. If you can't afford to pay your loan, Illinois laws entitle the lender to take back the automobile as long as it is done in a way that does not breach the peace.