Legal Question in Consumer Law in Pennsylvania

Hello, My daughter has a 2004 dodge stratus and hasn't kept up the payments on it. I think she owes somewhere around 1300. She has been avoiding the phone calls. A man came to my door and wanted to know where she was and her car. He was going to reposses it. Should she just contact them to work out a payment with them and will they still take her car? She is not working and is on unemployment. What would happen if they can't find her car and she just keeps ignoring them? Any help would be greatly appreciated. Thank You! I'm not sure what this would go under as far as the practice of law.


Asked on 12/21/11, 6:32 am

1 Answer from Attorneys
Andrew Solomon Law Office of Andrew A. Solomon

First, they are certainly entitled to repossess the vehicle. Second, if she can work out a payment plan and still keep her car its worth a try. Howver, the longer she refuses to cooperate, the less likely a payment plan is. Under the circumstances, she should either turn the car in and attempt to work out a payment plan or see a lawyer. Sooner or later they will find the car, and then, she'll never get it back. This may happen any way, but the more she ignores them, the greater will be the amount of any judgment they get against her. That's my opinion and another lawyer might feel otherwise, but as I said above--she dafaulted on the loan and the finance company or bank is entitled to repossess. The car will be sold at auction and anything recovered after payment of the ocsts of repossession and interest, will go toward the outstaning balance. The longer she holds out, the more it will eventually cost her in the end.

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Answered on 12/21/11, 6:22 pm


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