Legal

Ask a Lawyer and Get Answers to Your Legal Questions

Ask a Lawyer,
Get an Answer ASAP!

Legal
This answer was rated:

What are my legal options when the bank I had my car loan with

will not do any action...
What are my legal options when the bank I had my car loan with will not do any action though I have not paid them since March of 2011. My car is technically paid off but I had made a loan with them to pay off my late fees and I was paying 150. Since that time I have called twice around the first of the year each year to pay off in a lump sum and left messages but I have received no calls, no letters, and nobody repossessing my car. They did send me my title just so I could get it switched to Ohio when me moved and we had to send it back. I was thinking of selling or trading it in and want my title free and clear to do so. I want to know what my options are when I try to contact them on Monday. Thank you.
Show More
Show Less
Ask Your Own Legal Question
Answered in 2 minutes by:
7/7/2013
P. Simmons
P. Simmons, Attorney
Category: Legal
Satisfied Customers: 35,275
Experience: 16 yrs. of trial experience
Verified
Thanks for the chance to help. I am an attorney with over 12 years experience. Hopefully I can help you with your legal question.

I want to make sure iI understand...you owe them money on the car, since you had late fees accumulated? Is that correct? And you want to know how to find out exactly how much you owe so you pay pay them off?
Ask Your Own Legal Question
Customer reply replied 4 years ago

I owed them late fees and they set it up as a new loan but kept my car title. I paid on them but we fell behind in 2011 due to a move and job issues and I have not paid them since that date I specified. I have tried calling and all I get is a message machine about paying them off and what my options are but I get no call backs or letters from them. I just want my title free and clear.

Thank you Ma'am

If you owe money, the bank can demand you repay it. But that does not seem the problem...what you describe, I must say, is a bit odd. You want to pay the loan and the bank is not working with you. It sounds like there may be some confusion.

I would call on monday...that is a start. But I would NOT leave this to a call. You want to start a written correspondence trail

You want to communicate with them in writing. Keeping copies of the letters you send. And sending the letters "registered, return receipt requested". Basically you want to be able to document your efforts in resolving this...that may be important if the bank continues to ignore you.

The letter should clearly state who you are, provide a copy of the loan contract (if you have) as well as detailed information about the loan (when it was originated, the approximate amount, as well as your demographic information (including your ssn)

Basically, you want to put in writing you are attempting to repay this loan and you need their assistance to do so.

I would send one letter...and if they do not respond in one month, I would send another

If the continue to ignore you? You can file suit to ask the court to clear the title based on breach of contract. Under the law, each party to the contract has a duty to act in good faith. Here, if you reach out to them to try and resolve this and they refuse to do so, I would sue and ask the court to void the loan and to order they clear the title.

I doubt you get that far....I bet they respond to the first letter with a payoff amount. Once you pay the loan, you can have the title cleared. But if they continue to refuse to work with you? You can sue them to force the issue

P. Simmons
P. Simmons, Attorney
Category: Legal
Satisfied Customers: 35,275
Experience: 16 yrs. of trial experience
Verified
P. Simmons and 87 other Legal Specialists are ready to help you
Ask your own question now
Customer reply replied 4 years ago

thank you! That sounds like a good start!

Yes Ma'am

Best of luck in this fight!

Phil
Ask Your Own Legal Question
Ask P. Simmons Your Own Question
P. Simmons
P. Simmons
P. Simmons, Attorney
Category: Legal
Satisfied Customers: 35,275
35,275 Satisfied Customers
Experience: 16 yrs. of trial experience

P. Simmons is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Tina

Tina

Lawyer

8,775 satisfied customers

JD, BBA Over 25 years legal and business experience.

Ely

Ely

Counselor at Law

24,218 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

INFOLAWYER

INFOLAWYER

Attorney

20,218 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

41,455 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo J. Senmartin, Esq.

Guillermo J. Senmartin, Esq.

Attorney

287 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
I have a breach of contract against me that began according
i have a breach of contract against me that began according to the paperwork 08/12/04 … read more
Ely
Ely
Counselor at Law
Juris Doctor
24,218 satisfied customers
I received a summons for breach of contract with Lowes
I received a summons for breach of contract with Lowes credit card. My income is Social Security, I am 64. My husband is not on the contract, but is 76 years of age and is also on Social Security and … read more
John
John
Attorney
Doctoral Degree
5,768 satisfied customers
I have someone who breached their contract by breaking an
Hello, I have someone who breached their contract by breaking an NDA and I am trying to find out if the evidence I have is enough to bring charges against them. … read more
Roy Hadavi
Roy Hadavi
Attorney
Juris Doctorate
891 satisfied customers
I am being sued for breach of contract by a financial
I am being sued for breach of contract by a financial advisor who has sent me an a time list of "extra services he has performed that,he claims, outside his contractual fees. He is suing me for $33,00… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,218 satisfied customers
How can I resend a deed do to breach of contract and fraud?
How can I resend a deed do to breach of contract and fraud ? … read more
lucy7368
lucy7368
Juris Doctor
763 satisfied customers
I am being sued for breach of contract but i did not breach.
I am being sued for breach of contract but i did not breach … read more
LegalKnowledge
LegalKnowledge
Juris Doctor
27,473 satisfied customers
I had a breach of contract with a venue, they did not want
I had a breach of contract with a venue, they did not want to host my event again despite having a paid in full contract with them months prior to the event date---i want to take them to small claims … read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
Can I sue for breach of contract to marry? I was engaged to
Can I sue for breach of contract to marry? I was engaged to a man in 2003, that was building a house,he said he would get me a ring, when the house was finished and he moved into the house he asked me… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
5,946 satisfied customers
I have a breach of contract action in progress that requires
second opinion] I have a breach of contract action in progress that requires a declaratory judgement affirming the contract's validity. Defendant claims the the contract is flawed due to drafting erro… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
41,455 satisfied customers
How do I defend myself againt a breach of contract claim for
how do I defend myself againt a breach of contract claim for a cash advance due to hardship? … read more
Dwayne B.
Dwayne B.
Juris Doctor
28,499 satisfied customers
I have a breach of contract action in progress that requires
second opinion] I have a breach of contract action in progress that requires a declaratory judgement affirming the contract's validity. Defendant claims the the contract is flawed due to drafting erro… read more
LegalGems
LegalGems
Juris Doctorate
10,176 satisfied customers
I have a breach of contract action in progress that requires
I have a breach of contract action in progress that requires a declaratory judgement affirming the contract's validity. Defendant claims the the contract is flawed due to drafting error and has made c… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,218 satisfied customers
The attorney for the defense, in a breach of contract civil
The attorney for the defense, in a breach of contract civil suit, while talking to the pro se plaintiffs admitted that his client did in fact breach our contract. What can the pro se due with this adm… read more
LegalKnowledge
LegalKnowledge
Juris Doctor
27,473 satisfied customers
I need an attorney to file a Breach of Contract against
I need an attorney to file a Breach of Contract against Cigna Insurance Co. It is NOT a Medical Malpractice. … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
41,455 satisfied customers
If someone sues me for a breach of contract and they are
If someone sues me for a breach of contract and they are trying to add up debatable if not erroneous monies indirect of the contract (like pain and suffering, missed vacation etc) they want to recover… read more
LegalKnowledge
LegalKnowledge
Juris Doctor
27,473 satisfied customers
Need help with breach of contract. Individual versus
Need help with breach of contract. Individual versus bisiness … read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,218 satisfied customers
I'm being sued for Breach of Contract (auto repo). Is it
I'm being sued for Breach of Contract (auto repo). Is it beneficial to hire a lawyer? … read more
LegalKnowledge
LegalKnowledge
Juris Doctor
27,473 satisfied customers
For breach of contract is there any way to file a suit if
For breach of contract is there any way to file a suit if only a verbal contract is in place? If significant damages to a property (home) are provided and financial loss? Witnesses too? … read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x