Circumstances beyond my control have left me with no alternative but to
return my vehicle to the lender. Is there a "good" way to return one, that
will at least verify the condition of the vehicle (perfect) at the time of
return? Or will it matter?
I realize I will be liable for some remaining amount and am willing to pay
on a reasonable :) amount, to clear the difference, or with my current CC
debt, will leave no option but to file BK.

Have you found the lender to be agreeable to any type of repayment of the
balance, or do they try to bury you in "fees", etc.?
After they have 1) sold vehicle at auction and, most likely, 2) collected
some type of insurance claim or tax write-off for the remaining funds.


"Matthew Smith" <matthewriddle@earthlink.net> wrote in message
news:33fZa.2562$Ew5.181018@newsread2.prod.itd.eart hlink.net... it doesnt matter. we just had them come and get ours. you still are liable for whatever they dont get by re-selling it. the condition didnt even play a factor. "Harold Fontemier" <spaminator-fontemier@houston.rr.com> wrote in message news:ECbZa.151585$TJ.8907303@twister.austin.rr.com ... Circumstances beyond my control have left me with no alternative but to return my vehicle to the lender. Is there a "good" way to return one,
that will at least verify the condition of the vehicle (perfect) at the time
of return? Or will it matter? I realize I will be liable for some remaining amount and am willing to
pay on a reasonable :) amount, to clear the difference, or with my current
CC debt, will leave no option but to file BK.

It all depends on the lender - The vehicle will be sold at auction and
depending on the State you can be liable for the balance.
It is easier if you return the unit volntarily to avoid some fees that are
associated w/ an involuntary repo.

"Harold Fontemier" <spaminator-fontemier@houston.rr.com> wrote in message
news:fahZa.151655$TJ.8945275@twister.austin.rr.com ... Have you found the lender to be agreeable to any type of repayment of the balance, or do they try to bury you in "fees", etc.? After they have 1) sold vehicle at auction and, most likely, 2) collected some type of insurance claim or tax write-off for the remaining funds. "Matthew Smith" <matthewriddle@earthlink.net> wrote in message news:33fZa.2562$Ew5.181018@newsread2.prod.itd.eart hlink.net... it doesnt matter. we just had them come and get ours. you still are
liable for whatever they dont get by re-selling it. the condition didnt even play a factor. "Harold Fontemier" <spaminator-fontemier@houston.rr.com> wrote in
message news:ECbZa.151585$TJ.8907303@twister.austin.rr.com ... Circumstances beyond my control have left me with no alternative but
to return my vehicle to the lender. Is there a "good" way to return one, that will at least verify the condition of the vehicle (perfect) at the
time of return? Or will it matter? I realize I will be liable for some remaining amount and am willing to pay on a reasonable :) amount, to clear the difference, or with my current CC debt, will leave no option but to file BK.


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"Albert Andrascik" <albert.andrascik@verizon.net> wrote in message news:<aWtZa.8011$pn3.665@nwrdny01.gnilink.net>... It all depends on the lender - The vehicle will be sold at auction and depending on the State you can be liable for the balance. It is easier if you return the unit volntarily to avoid some fees that are associated w/ an involuntary repo. "Harold Fontemier" <spaminator-fontemier@houston.rr.com> wrote in message news:fahZa.151655$TJ.8945275@twister.austin.rr.com ... Have you found the lender to be agreeable to any type of repayment of the balance, or do they try to bury you in "fees", etc.? After they have 1) sold vehicle at auction and, most likely, 2) collected some type of insurance claim or tax write-off for the remaining funds. "Matthew Smith" <matthewriddle@earthlink.net> wrote in message news:33fZa.2562$Ew5.181018@newsread2.prod.itd.eart hlink.net... it doesnt matter. we just had them come and get ours. you still are liable for whatever they dont get by re-selling it. the condition didnt even play a factor. "Harold Fontemier" <spaminator-fontemier@houston.rr.com> wrote in message news:ECbZa.151585$TJ.8907303@twister.austin.rr.com ... > > Circumstances beyond my control have left me with no alternative but to > return my vehicle to the lender. Is there a "good" way to return one, that > will at least verify the condition of the vehicle (perfect) at the time of > return? Or will it matter? > I realize I will be liable for some remaining amount and am willing to pay > on a reasonable :) amount, to clear the difference, or with my current CC > debt, will leave no option but to file BK. > > >
I would suggest contacting the lender and telling them that you need
to return the car and why. They may be willing to lower your
payments. What they could do is refinance the current loan (say, $XXX
a month for 24 months) and turn it into $XXX over 48 months or so. To
be honest they don't want your car back. They'd much rather have the
money, and they would rather have it later than not at all.