Dan Willis, here. We're talking about how to get a repo off your credit report. Now, this is the second video in a series. In this video, we're talking specifically about that auto deficiency balance. This is any money that you still owe, that's still outstanding on that car loan. Because, as we shared here, that debt has been sent to a collection agency. In this collection agency, of course, is going to start contacting you for payment. But they're also going to report negative information on your credit score. So, we've got to get rid of that collection and we've got to get rid of that repossession from your credit report in order to improve your credit score. In this video, we're specifically talking about that debt collection. And the first item on our agenda is the Fair Debt Collection Practices Act (FDCPA). This is federal legislation passed by Congress with the intention of regulating the debt collection industry. And it's worth your review at your convenience. But in short, it says debt collectors are required to be honest, upfront, not deceptive, along with providing you with that modicum of respect and dignity that every human being deserves. And yes, the FDCPA is broken and violated just about as often as our drug laws in this country. And if you'd like some help, you can get a free credit consultation by calling toll-free 1-800-700-FIRST. Request debt validation on your debt. This is your right as a consumer granted under the FDCPA. And essentially what we're saying when we request validation on our debt is we're saying, "Hey, debt collector, you first prove this is actually my debt. Show me who the original creditor was. Show me the dates of account activity. Show me all the details relevant to this...
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Reinstate loan after repossession Form: What You Should Know
What do you do if you've just been repossessed but not yet sent in for repossession? If you've just been repossessed and haven't received any notices, contact your lender immediately. Your Lender's Responsibilities in California: Reinstatement v. Reinstatement — S You may have a legal right to reinstate a loan, but you must notify your lender in the form of a Notice of Due Process by Notifying Lender of Repossession or Reinstatement After Repossession or Repossession — S Under California law, you are entitled to reinstate your car loan once you are notified of a repossession — and pay the balance. However, if you can make all payments in full and no additional fees or interest has been accrued, then you can reestablish your loan How to Reinstatement and Notify You Lender of Repossession after Repossession — S In order to reinstate your loan, you must make up any missed payments, plus any repossession fees. However, if you can make all payments in full and no additional fees or interest has been incurred, then you can reestablish your loan How Car Repossession Charges and Finances Affect Your Repossession Amounts — Solo If you own a car and want to prevent being repossessed, here are some other things to know about car repossession in California. If you want to save your car, you might want to check out an auto loan with a lower monthly payment and a longer term. Don't Let Your Car Repossessed to Pay Off Your Loan— S If you receive notice that your car is repossessed to pay off your loan, you want to make sure that you don't pay too much. You can avoid repossession charges by paying off your car as soon as possible. Checking Your Car Repossession Bill to Make Sure You're Paying Off Your Loan — Solo If your car was repossessed when you had outstanding payments still due, contact the court or the car lender. You should make sure you know about your car repossession charges and balances. When Your Auto Repossession Is Due, Make Sure It's Pay offed — S If your car repossession is due for a payment adjustment, the repossession company will ask to see your payment statement and to give you the paperwork you need to make the adjustment.
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