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It depends on which state you are in. In Kansas and a few others that I have some familiarity with, you have to have been 45 days late at some time. If you cured the default at that time and miss a later payment, even by a day, they CAN repo (probably none will, but they can). Your car can also be repo'd when your payments are current if you violate any other provisions of the security agreement, like letting the insurance lapse, using the vehicle for hire, or other things that put the lender at risk.

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โˆ™ 2005-10-19 05:02:57
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Q: How many payments do you have to be behind for the bank to repo your car?
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Can a bank repo your car before notifing you before they come get it?

if you are behind at least 2-3 months behind in payments then they can come get it whenever they please

Can westlake financial repo your car?

if you are behind on payments then yes they can

Should you see if your bank will repo your car as you just can't keep making the payments and when you do they are late you have had the car for 4 month now you know it will make your credit bad?

I need to know how long does it take the bank to repo your car if you are 2 payments behind. Can I make arrangements to make a payment next week

How far do you have to be behind on your payments to legally repo in Florida?

ONE day.

Can vehicle registration be denied if you are behind on payments?

The repo man will tell you that, but no it is not true.

How far behind on a auto loan before they repo the auto?

3 payments

How many payments in the state of Texas can you be behind for repo?

Legally if you miss 1 payment you are delinquent and they can start repossession proceedings on their vehicle.

If you've been making monthly payments on your car and and you are still a month behind can they repo it?

As long as you are in default, they can repo. Try to catch up the month behind. Send $5.00-10.00, whatever.

If primary borrower gets behind in payments can you repo car?

If "you" are the lienholder then yes. If you're not the lienholder or their authorized agent (e.g. a repo man working for them), then no.

Can they repo your car if you have fallen behind on payments because you lost your job and now on unemployment?


Is it legal to repossess your work truck when you are self-employed?

Yes, if you are not making the payments the bank can repo your truck.

How far do you have to be behind on your payments to legally repo in Michigan?

Legally, ONE day. As long as you are in DEFAULT of your contract, the lender CAN repo the collateral. Read the contract for more on DEFAULT.

Can a finance company repo YOUR car if YOU are not behind on YOur payments in Washington state?

If you are up-to-date then no, if you are a cosigner there may be complications...

You are making payments on your car but are behind. can they still repo your car?

Yes, they can. Consistent communication is the car-key to your vehicular retention.

If your car is repossessed for being three payments behind can the bank refuse to give the vehicle back if you pay the repo fee and catch up your payments?

Read the contract again. What part of it are you in DEFAULT on? There is a clause in most contracts that says the lender can accelerate the balance due for a number of reasons.

Can a bank repo for not paying late charges?

If you are still making payments to the bank, then legally it is the property of that bank. If you fail to make the payments, the bank reserves the right to take back their property. Property can usually be returned to the purchaser if the the purchaser can make the payment in full, within a certain amount of time set by the bank.

If you do a voluntary repo and get another dealerships car will that hurt your credit as bad as not making any payments for a repossession?

A repo is a repo is a repo.

How many days late on car payments before it is repo?

60 days

If you still owe on a car and it is totally destroyed in a wreck and you are behind in payments can they repo your house?

Heck NO. LOL they might want you to THINK that...

Can your car be repossessed in Missouri if you are making payments but 45 days behind?

READ your CONTRACT. Its that simple. If you are in DEFAULT of the contract, they can repo the collateral.

Can the Bank repo your car after 4 years of payments?

Yes. In most cases if you fail to pay after 52 days, the bank has the right to reposses your casa. But if you have been a good costumer with on time payments and call the financial institution they can work something out.

If you are current on your payments can the car dealership who sold you the car repo it or is the bank that is financing the vehicle the only one who can do that?

The bank/finance company. The dealer has already been paid for the vehicle

How many payments do you have to miss before your car can be repo?

Depends on the lender. Legally, one!

Can a bank repossess if you are making the agreed upon partial payments?

They can repo anytime you are in DEFAULT of the contract. 2010-09-21: Also, in addition to the answer: While the bank can reposses when the repo clause comes into play, I don't know of any instance that once a bank agreed upon partial payments, they reneged and repo'd the vehicle anyway. Remember: they'd rather have the money than the car. If it comes to haveing it repo'd through a repo company, the bank would still rather have their money than share it with a repo company. The person at the bank that you speak to is being watched by the bank manager, etc., blah blah, and he or she would rather keep good information on the books. He or she, as far as my experience, will help you in your situation.