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But even if you return the car voluntarily, you still are responsible for paying any deficiency on your contract, and your creditor still may enter the late payments or repossession on your credit report. Therefore, you should leave out any information that might weaken your insurance claim. I had one for a while and they are nice, but I needed a truck in addition to a camper and wound up going to the truck/camper combination.

But when seizing the vehicle, your creditor may not commit a “breach of the peace.” In some states, that means using physical force, threats of force, or even removing your car from a closed garage without your permission. Choosing a Credit Counselor at ftc.gov/credit.

Your creditor also may be required to use reasonable care to prevent anyone else from removing your property from the car. Well do our verifications and try to complete them within a 24 hour period.

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