Car Repossession Laws

Posted on Thursday, August 30, 2012 by Farida Palupi

We all depend on our cars for traveling and for many other purposes. Life without a car just seems impossible to live, but what about if someone seizes your car and you can't take it back. In this case understanding some car repossession laws are a huge help. But let's first understand the whole concept of this car seizing and car repossession laws.

Car repossession occurs when a person fails to pay the car payments that he/she owes to the creditor and the creditor takes back the car. If you have bought your car on loan and you are late with your car payments and you don't even have enough car insurance, your vehicle could be seized from you. Once you buy a vehicle on loan your creditor has more rights on the car than you, if you don't make your monthly payments on time, your creditor has the full authority to take back your car without a warning or a court notice in advance.

Laws of Car Repossession

If you have fallen behind your monthly payments, then it is very necessary for you to understand the various automobile repossession laws. The good news is that there are some limitations that the creditor has while snatching away your car and these limitations vary from state to state. So always make sure you read these laws before taking a loan from your car.

Law# 1: In many states the creditor seizes your car, the minute you default on your payment. Make sure your contract states what qualifies for a default, for example not paying monthly payments qualifies for a default in your case. Suppose if your creditor agrees to change your payment date, you should take that in writing and also take his signature.

Law# 2: Once you default on your payment, repossession laws of most states, allow the creditor to take your car anytime he wants without sending you a court notice or warning in advance. The creditor can even come onto your property and do so, that includes using physical force and threats. In some states the creditor is not breaking the "breach of peace" by doing such activities.

Law# 3: The breach of peace is different in different states, if the creditor is found breaking the breach of peace. Your creditor will pay a penalty if any harm is done to you or your property. The violation of "breach of peace" may give you an edge in the legal proceedings against your creditor.

Law# 4: Once your vehicle has been taken, your creditor has the full right to sell it to someone else or keep it as a compensation. In some states, your creditor must tell you the time and place where your car has been sold, so that if you want to attend the bidding, you can. If the vehicle was sold privately, you have the right to know the sale of the date. You can purchase the vehicle again by paying the full amount and clear your old dues and old debts.

Law# 5: Some states have special consumer protection laws, that allow you to reestablish your loan. This simply means you can get back your car by paying the remaining monthly amounts, with your creditors repossession expenses. This also means that in future you will make your payments on time and would not cause your creditor further worries.

Law# 6: Your creditor is not supposed to keep or sell any personal property found in the car. In some states, your creditor has to inform you what items were found and how you can retrieve them. If your creditor doesn't take much care of your personal items found in your car, you can speak with your attorney about your right to compensation.

Law# 7: Some financiers may not lend you money until you install an electronic device that will not allow your car to start if you fail to make your payments on time. Installing this device could also mean as a "breach of peace" in some states. So get in touch with your state consumer protection if you want to know the rules of such devices.

Law# 8: It's better to have a word with your creditor then making a dispute later. If you think you are going to be late with your payments, call up your creditor and ask for some time. Most of them have faith on their consumers and give them a few days time. If you are going to change your original contract, get all the details in writing to avoid questions later. In most cases they will snatch your car right away and in many cases people file for voluntary vehicle repossession, to reduce creditors expenses, which he may later charge.

So these were some car repossession laws that would help you deal with an angry creditor. Try to make your payments on time to avoid the further legal mess involved. If you are left with no option and are facing bankruptcy, consult your attorney on information about your rights on your vehicle. 

Weird Laws in the USA

Posted on Tuesday, August 7, 2012 by Farida Palupi

In the earlier times, the laws and regulations in the country or a region were made by the kings or heads of the region. Most of the time, the wish of an autocratic ruler turned into a law in his kingdom. Hence, people were forced to obey these laws; however strange they may seem. Would you believe me if I tell you that It is illegal to die in the Houses of Parliament? Now, can anything beat this? Yes, you may not be aware but, there are several strange laws in America that will either stun you or make you roll down with laughter!

Crazy Laws in America

The following is a compilation of weird American laws practiced in different states.

All lollipops are banned in Washington.
In Texas, the entire Encyclopedia Britannica is banned simply because it contains the formula for making beer at home.
One cannot kill a squirrel with a gun in a courtroom in Canton, Mississippi.
It is legal for a chicken to have sex with you in Texas, but it's illegal to reciprocate.
Now, here is one of the world's strangest laws. In Iowa, a man with a mustache cannot kiss a woman in public!
In the state of Washington, it is compulsory for a motorist with criminal intentions to stop at the city limits and telephone the Chief of Police while he enters the town.
In South Dakota, it is illegal to lie down or fall asleep in a cheese factory.
In Pennsylvania, it is not legal to catch a fish with any body part, including your hands, except for your mouth!
In the state of Oklahoma, it is mandatory for dogs to have a permit signed by the mayor in order to assemble in group of three or more on any private property.
It is legal to throw a snake at someone, but, it is illegal to shake a snake at someone in the state of Ohio.
In West Virginia, it is illegal to put an ice cream cone in one's pocket on Sundays.
In North Carolina, if a man and a woman who aren't married go to a hotel and register themselves as married then, according to the state law, they are legally married.
In New York State, jumping off a building is punishable by death!
It is against the law to tie a giraffe to a telephone pole or a street lamp in Atlanta.
In Nebraska, a parent can be arrested if his child is unable to hold back a burp during a church service.
In Massachusetts, snoring is prohibited unless all bedroom windows are closed and locked!
Strangely, in the State of Mississippi, if an individual leaves his residence, or place of business, without the direct intent of killing someone, he cannot be tried for any offense!
In Texas, one can not put graffiti on someone else's cow.
It is illegal to stand near or in a building without any reason for being there in Minnesota.
In Indiana, it was a law for all black cats to wear bells on Friday, the 13th.
A woman in Michigan may be irritated to know that she is not allowed to cut her own hair without her husband's permission.
In Hartford, Connecticut, you aren't allowed to cross the street walking on your hands!
Now this is one of the weird funny laws, in Maine, it is illegal to step out of a plane in flight!
In the state of Indiana, it is illegal to make a monkey smoke a cigarette.
In Miami, it is illegal to imitate an animal.
It is a punishable offense to push a live moose out of a moving airplane in Alaska.
In Ohio, women are prohibited from wearing patent leather shoes anywhere in public.
In Florida, men (!!!) may not be seen in public in any kind of strapless gown!
It is forbidden for a driver to be blindfolded while operating a vehicle in Alabama.

You will find many such strange laws in other parts of the world. Lastly, here is one of the funniest, craziest and weirdest laws found in America: In the state of Tennessee, it is illegal for a woman to drive a car unless there is a man either running or walking in front of it waving a red flag to warn approaching motorists and pedestrians!!