Legal Question in Credit and Debt Law in Virginia
Vehicle Repostion
My wife and I purchased a van from a pay-here car dealer for credit challenged customers in Montgomery County, Virginia. We are 30 days behind in our payment due to my husband�s position being eliminated. We took the vehicle to the dealer for service last Thursday and the dealer now refuses to give us the van back until we catch the account up in full. They gave us no written or verbal notice of this course of action prior to doing so. Can he legally keep our vehicle?
1 Answer from Attorneys
Re: Vehicle Repostion
Presumably, the contract for the purchase of the vehicle by way of a loan allows for the car dealer/loan dispenser to repossess the vehicle, once the purchaser has become delinquent in his or her payments. (One month should be sufficient.)
Therefore, if the above is in fact true in your case, the answer to your question must be, yes (unless you can now negotiate some kind of settlement with the dealer to get the vehicle back).
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