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they finally got my car..... repo!!!!!!

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    #1

    they finally got my car..... repo!!!!!!

    man the day after christmas, i came home late at night and left the car in the driveway...bad idea i couldnt sleep i just had a feeling.. then as im walking in the living room i hear some truck sounds...well u guessed it the repo man... i rushed out the door open the driverside door and said "Dude can i get my wallet and stuff out, i'll give u the keys" he thought i was going to punch him.
    hey i know didnt pay..got my stuff repo left.now i have no car.

    thinking about a buy here pay here place i saw a nice car plus my credit sucks

    1. should i tell the bhph guys about my repo?
    2. i hear they dont report to credit bureaus so would they check
    3.how long will it take for a repo to show up?
    4can i get approve with bhph with a repo?

    i need a car for work ..oh i havent filed bk yet so im trying to get a car.. but if i keep up on the payments the bhph cant do anything right , i still keep the car if i get it and pay on time?

    sorry long post...i really need some advice
    Tags: None
    #2
    Originally posted by help me 07 View Post
    thinking about a buy here pay here place i saw a nice car plus my credit sucks
    Sounds like your best option under the circumstances.

    Who/what is bhph? Happy to help if we knew what this is.
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !
    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

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      #3
      BHPH stands for buy here, pay here............

      I'm sure they do some kind of credit check or want money upfront......for a downpayment....

      If you couldn't keep up the payments on your other car, how are you going to pay weekly on a car????

      Was the car they repo a new one??? Why didn't you just turn it back in?????????

      I bought a new one, it was a lemon, and I made them come and get it............got my downpayment back, and never paid another dime on it.... not on credit report either......

      Having a repo may make it difficult for you to purchase a car from anyone.......... or getting credit to purchase one.....

      You might get one thru BHPH but the first payment your late, they'll come get it..........
      Last edited by Minnymouth; 12-31-2007, 08:53 AM.
      Minny

      "It's amazing the paths that our feet sometimes follow in life".

      My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.

      Comment

        #4
        You have to ask the BHPH people, careful they are generally skanks. The whole deal is to sell and repo the unit several times and do some cash deals to pay bills.

        The problem may be paying the deficiency on the car that got repo'd. You have to pay it, they sic the Atty on you faster than they try to collect the back payments.

        Can you get the vehicle out of hoc in some way? I know at the moment it may be stupid to ask but if you have to make a 1k dp to the BHPH...
        Last edited by robivi3; 12-31-2007, 04:04 PM.
        "You once asked me for advice. You want some now? Never pass up a good thing." Lieutenant Jean Rasczak, Starship Troopers

        Join the Mobile Infantry and save the world. Service guarantees citizenship.

        Comment

          #5
          ok just my 2 cents here. My daughter went to a dealership that guaranteed he could get her financed. Well they put her into a car with a "box" that if you don't pay, they can shut off your car. Her payments were high and every 2 weeks. She could not handle it so I took them over. She now has perfect car payment history because of my ontime payments for her. (I know but have had so many repo's just didn't want another one) So. . . . be careful. Those buy here pay here are not all they are cracked up to be. The one we have reports to transunion but many do not. The bi weekly payments have been a budget buster as well. You might have just as much success by going to a dealership and getting a decent used car the right way. Even Drive Financial would finance you I bet with 2500.00 down payment. In addition, we are paying triple what the car is worth and now can't get out from under it. I still owe 6600 on this car that isn't worth anything right now cause it needs a new gas tank. It runs but that is about all it does.

          Comment

            #6
            Just pay something reliable for cash...you should be able to find something that will get you from point A to B for under $4,000 if you look around.
            The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.

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              #7
              Just a thought......try lending tree or capital one blank check...YOU NEVER KNOW IF THEY'VE REPORTED YET!! Long shot but worth a try to apply but you should do it ASAP.

              Keep us posted.
              Chapter 7 Pro Se....Discharged Feb. 2006

              Comment

                #8
                Originally posted by Minnymouth View Post
                BHPH stands for buy here, pay here............

                I'm sure they do some kind of credit check or want money upfront......for a downpayment....

                If you couldn't keep up the payments on your other car, how are you going to pay weekly on a car????

                Was the car they repo a new one??? Why didn't you just turn it back in?????????

                I bought a new one, it was a lemon, and I made them come and get it............got my downpayment back, and never paid another dime on it.... not on credit report either......

                Having a repo may make it difficult for you to purchase a car from anyone.......... or getting credit to purchase one.....

                You might get one thru BHPH but the first payment your late, they'll come get it..........




                yes the car was new ...i paid 690 a month + 300 for insurance
                so about a grand a month for the car..yeah really high im only 20 and the bank gave me a 38,000 car loan!!

                the car im looking at is 5000 with 600 down which includes taxes..and then 65 a week so 260 a month that is way way better than 690 a month this is what the guy tells me

                but i looked at the app and is asked questions like have u evere had a repo ? total debt how much u pay a month? so i dont know if i will get it but i'll let u know what happens

                Comment

                  #9
                  how long after you were discharged did they finally come for your car? just curious....

                  Comment

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