Due to some financial challenges, I have been behind my car note for almost 4 months in the State of Tennessee and the Credit Union wants to repossess the car. I told them I’m not in town because right now I’m in another state (Maryland) with the car for a program. They called me and requested to tell them where the car is so that they can come and pick it up. I’m trying to make arrangement with them, but they don’t want to accept that. My question is can they repossess my car in another state?
Can my creditor repossess my car in another state?
There seems to be no doubt that you are delinquent on the car payment. The issue becomes really complicated for you if the lender feels you are intentionally hiding the car to avoid repossession. If it is determined you are then you may be guilty of a fraudulent conversion or removal of property to avoid repossession and that can land you in court. If the lender asks, you must disclose where the car is now. They will probably hire a local repo agent to come and get it.
The sooner you hand the car back at this point the less additional fees and charges will be added on.