Legal gurus...please give me your thoughts.

[ELVIS]

Is that all you got?

just wanted to say thanks for doing your job.
these dumb truckers love shit like this!!!!
god bless.

[bcoop]

Is that all you got?

You're literally too stupid to insult, no need to waste good material.

[Baron Von Crowder]

I would dispute it with the credit bureaus . You can do that yourself or hire someone that does it. Bad situation but you have to keep up with items in your name.

Are you so retarded that you cannot read? There's a hole fucking thread discussing, and making mute, what you posted.

[Captain Crawfish]

just wanted to say thanks for doing your job.
these dumb truckers love shit like this!!!!
god bless.

Don't want your thanks.

[lowthreeohz]

Lol @ hole fucking

[Captain Crawfish]

Are you so retarded that you cannot read? There's a hole fucking thread discussing, and making mute, what you posted.

Must have missed it. Never had to repair credit. Best bet is don't buy shit your not gonna pay for

[Broncojohnny]

Thanks for delivering the toilet paper I just wiped with. I was thinking of you the whole time I was squeezing out that fudge dragon.

[Baron Von Crowder]

They might. As long as they can pass it off to a collection agency with someone's name attached to it.

Sorry brother. She's stuck.

A lender does not care about a divorce decree.

Best she can do is call whatever collection agency has it and try to settle for a cheap amount and a pay-for-delete agreement.

Did the bank give her notice before it was repo'd? A divorce doesn't compel a lender to change their terms, if she was on the lien she'd be responsible for payment if he wasn't making them.

Your best bet is to have her contact whoever is listed on her credit and discuss it. She could dispute the debt through the credit bureaus but it sounds like the debt is valid.

What she'd owe is whatever the difference between what the vehicle auctioned for and whatever was owed. Since he probably didn't pay insurance either they likely added that to the note so expect it to be several thousand dollars more than the payoff.

If it hasn't gone to auction she may be able to make payments to catch up and get the truck back.

This is not the first time I've heard of this happening or very similar. The next question would be - how do you make sure the responsible party does what they are supposed to do? If they don't do it, how do you enforce it?

My ex wife is on my mortgage. I had to sign some kind of waiver for her to be able to buy another house, which was enough for the lender on her new house. That said, I could walk away tomorrow not paying another dime, and she'd take the hit every bit as much as I would.


Of course, I wouldn't do that, but still. Lenders don't give a shit about court documents.

She never heard a thing from the lender. The only reason we found out is because her son mentioned that someone took daddy's truck away during the night.

Turns out, he wrecked it, tried fixing it, locked up the motor, so he just let it sit until they came and got it. Payoff is outrageous. $19k, because he thought it was smart to roll a shit load of negative equity into it 2 years ago. It was a Tundra.

We faxed court docs to the lender and they didn't care one bit. He has destroyed her credit. A few years ago they bought a house, and he never made a single payment. So she has a forclosure on her credit as well.

It is going to be a very long and very rough ride to get her credit back to a reasonable level.

She might want to consider filing for bankruptcy. With a foreclosure and a repo plus who knows what else she hasn't told you about it'll probably help her credit and that stuff will go away.

for your viewing pleasure.

Must have missed it. Never had to repair credit. Best bet is don't buy shit your not gonna pay for

I dont think that statement has any bearing on the thread at all. Did you read any of it?

[Baron Von Crowder]

Lol @ hole fucking

LOLz!

[BP]

What would the pros and cons be for her to file? Anyone know what type she would need to file? I know jack shit about bankruptcy. I never even thought about that as an option.

Every situation is different and laws keep changing. Another thing you probably haven't considered is that at some point those lenders can write off the debt and 1099 her for the difference. On that truck note alone it's probably going to be a $10k deficiency. Which means it'll be reported to the IRS as income and they will get their money.

[Captain Crawfish]

Thanks for delivering the toilet paper I just wiped with. I was thinking of you the whole time I was squeezing out that fudge dragon.

I got a good funny to shoot back but I'm gonna not hurt your feelings Johnny. I will pay some kids to bring you more paper haha.

[mstng86]

Are you fucking Splinter or something? "I made a funny"

[Forever_frost]

During my divorce, my exwife took my power of attorney and bought herself a car. She paid 25k for a 4 door, no ac, no power windows or locks Neon and called me 4 months afterwards and told me to come get it because it was 2 months behind. I went and got it and traded it and my truck on a new one and took the hit.

Divorces suck

[Captain Crawfish]

Are you fucking Splinter or something? "I made a funny"

I might be!

[8mpg]

U could dispute them!

That did make me LOL