Haven't paid my car lease for 3 months

[Scream2Death]

what's the longest time you had a lease/finance car , not paid for it, before they come to repo it?


what if they never do? thanks for any feedback

[CATCHMEIFYOUCAN]

Hmmm, never have been in that situation but repo man is stealthy, the car will disappear before you know it!

Best Wishes, Catchmeifyoucan

[sofarindebt]

I would be guessing any time now

We were late almost 60 days on our truck, the customer service rep told us to not go past 60 days, we were 60 days past due for 7 mos! She said they really don't want the truck back so as long as we are making payments they are happy.

[HRx]

The lien holder generally first makes attempts to collect the past due amount at the 45, and 60 day marks. And generally starts arranging for a repo at the 90 day late mark. But again, this really depends on the lien holder, the value of the vehicle at hand, and the maturity of the loan etc

[SinkingFast]

Hmmm, never have been in that situation but repo man is stealthy, the car will disappear before you know it!

Best Wishes, Catchmeifyoucan

Personally,........... I'd be prepared for a repo at any time. Like CMIYC said, they come when you least suspect it. Middle of the night while you're asleep is one of their favorite times.

Don't leave anything personal in the car at any time. That way you're covered if you come out and find your car is gone.

[HRx]

what's the longest time you had a lease/finance car , not paid for it, before they come to repo it?
what if they never do? thanks for any feedback

You may also want to consider just voluntarily surrending the vehicle...if at all "possible". A lot of folks just just playing hide-and-seek with the repo-folks, because they have no other means of transportation, and/or cannot make other means do to financial circumstances.

[Donald Baker]

BB&T waited 93 days before coming and getting my wifes ford windstar today, I was so happy when I came home and it was gone.........man I hated that POS

[suitelady79]

Scream2Death I was in a similar situation. I actually did a voluntary surrender on 022307. I just called my lienholder and told them where to pick up the car and they sent my paperwork. Either way they both are bad. I kept my car in the garage so they couldn't get it and they didn't know where I worked at since I switched my job after my lease and never updated them with the info..oops.

[coma]

We're in the same situation. We're behind almost 4 months...they already had the stay lifted, so I know it's coming, but we're going to convert anyway, because of a drop in income, and surrender it anyway.

[CindyLou]

Mine was after the third missed payment. BUT it depends upon your state as well as your creditor. I ignored them until I finally got a message from the repo man, then I gave them my work address and they came and got it from me.....

[$$only4ever]

I used to be a collector for Chrysler Financial and this is the approximate time frame.

The NOI (Notice of Intent of Repossession) would be mailed when the account was 45 days (2 payments) past due. After the 10 day waiting period, then the vehicle was put out for repo. My advice to you is to take your personal items out of the vehicle. The repo is going to happen any day now.