Will My Car Get Repoed if I Take it to the Dealer for Service? – Mike

“Dear Steve,

I fell way behind on my car payment, I am on unemployment, and now my car needs to be fixed and it has to go to the dealership to get fixed. It might get repo’d if they realize its so far behind. If they do take the car, I know will be responsible for the amount still owed, but should I not take the car there and try to turn it in so I don’t owe the full balance or if I take the chance and they take the car what will happen to me other then owing the money that is past due. More important if I can’t afford to pay the amount will it become a judgement or a collection? If there are any options at all besides bankruptcy please let me know or steer me in the right direction. Thank you very much.

What do you do if you know your car is going to get repo’d and it needs to be fixed and you cannot afford to bring it current? What options are there for people in my situation?


Dear Mike,

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

I’ve never heard of a car getting repossessed by the deal on a service visit. The dealer is generally separate from the financing part of the company and is not chasing payments unless the dealer is one of those buy here, pay here, lots.

The bigger issue is that you don’t seem to be able to afford your car and to keep it running on your current income. That is a bigger issue. It might just be that you can’t afford the car on your current income. In that case giving the car back and dealing with the residual debt might be the only way you can go.

I know of no networks of service locations that will work on a car for free to help out someone in debt.

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It sounds like you’ll have to end up doing the same thing I did after my bankruptcy, buy a cheap crappy car to get you around. Find something in the $1,000 range and don’t set your expectations very high. It’s going to be a beater but will provide you with basic transportation.

Please update me on your progress by

P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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