Legal Question in Credit and Debt Law in Maryland

I recieved a notice my sons car was to be repossesed if we did not make a payment immediately. My husband who recently died paid all the bills. I was unaware we still owed. This vehicle should have been paid off in May 2009. The business that financed the vehicle closed in 2008 and I have a copy of a letter from my late husband requesting a address as to where to send the rest of the payments.I don't know what that answer was. I have never recieved a bill or late notice for payment of this vehicle. The repo notice was the first hint that money was still owed. If we still owe I am happy to pay but I don't know how much is still owed. The repo company will not return my calls. (I have left 4 messages with a return phone number) and the place we financed through has been closed for over a year.I don't know what to do at this point.Please help!!!!


Asked on 8/14/10, 8:05 am

1 Answer from Attorneys
Phillip M. Cook Cook Legal Services, LLC

You may try calling the Better Business Bureau ("BBB") and see if they have any information about either the repo company or the finance company. We live in tough economic times. Companies and failing left and right. The repo company may have one employee and that employee may be out in his tow truck all day trying to earn a living.

If the companies are local to Maryland, you may also want to contract Maryland's Secretary of State and obtain the name of the repo and finance company's "Registered Agent". Send a CERTIFIED written letter to the Registered Agents of both the repo and finance companies explaining the situation and offering to pay whatever is owed to keep the car from being repossessed.

If they repossess the vehicle anyway, you may want to speak with a civil litigator who can file an action in court on your behalf. You may want to instruct your son not to interfere with attempts to repossess the car. Instances have arisen where vehicle owners have struggled with repo company employees, things escalate, and the police are called.

Best of luck.

This email is for informational purposes only and is not an offer of legal assistance by undersigned. As a result, no attorney-client relationship is formed hereby.

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Answered on 8/20/10, 7:34 am


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