Legal Question in Credit and Debt Law in California

So lets say hypothetically I buy a car - payment goes into default - I live in a place that is basically inaccessible for them to repossess the car - years go by & I haven't heard a thing from the loan company, no phone calls, no mail, nothing - then what? Do they just sue me for the balance or can they still repossess the car?


Asked on 1/14/12, 1:23 am

1 Answer from Attorneys
Michael Stone Law Offices of Michael B. Stone Toll Free 1-855-USE-MIKE

You would start to get private investigators' business cards under your door, and you would receive postcards ("You have won a prize! Call this toll free number!") the purpose of which is to get you to call an 800-number so that the number you call from can be recorded. You might get letters from lawyers or even a lawsuit for a "writ of replevin." Theoretically you could also be criminally charged with embezzlement. Eventually the statute of limitations would expire, but you have one more hurdle: Today's repo trucks are equipped with computerized license plate readers. If one of these vehicles spots your car, they will follow you to wherever you are going, wait for you to park, and then tow you.

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Answered on 1/14/12, 9:54 am


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