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I'm doing a volunteer repo on a motor home that I've had for…

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I'm doing a volunteer...

I'm doing a volunteer repo on a motor home that I've had for 10 years. Because of age and health I can no longer use or afford it . I'ts worth about half of what I owe. I would like to talk to a lawyer to make sure I do it as legal as possible.

Lawyer's Assistant: What state are you in? It matters because laws vary by location.

Texas

Lawyer's Assistant: What steps have you taken so far?

I've tried to talk to the finance company for 2 to 3 years about some help. No reply until late last year when a rep told me that the only way they would talk to me was if I was in default of payment. I stopped paying January of this year. They contacted me about a week ago and I agreed to a volunteer repo. So now the legal paper work starts. I don't want to sign anything until I consult a lawyer.

Submitted: 3 months ago.Category: Legal
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Answered in 1 minute by:
4/2/2018
Lawyer: Ray, Lawyer replied 3 months ago
Ray
Ray, Lawyer
Category: Legal
Satisfied Customers: 48,245
Experience: 30 years in civil, probate, real estate, elder law
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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.

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Lawyer: Ray, Lawyer replied 3 months ago

Well you can see if they would release you from deficiency in the paperwork.I am not sure that they would do that.They will sell it, apply it to the loan and likely sue you for balance.

Read the paperwork to see if they are agreeing to waive that, its the single most important item here.If you can avoid judgments that's the best outcome.

I appreciate the chance to help you today.Thanks

If you can positive rate 5 stars it is much appreciated.

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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).

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