I paid off auto loan with bank and have my title, now bank is telling me, that they messed up and I owe 10000.
373689
You know if you've paid off the total or not.  If you didn't, then you owe the money.  If you paid it off, show the bank your proof (canceled checks and/or receipts, etc.) You don't need a lawyer.  That will just cost you money. \n\nYou signed a contract with the bank when you financed your car.  Just because they may have a made a clerical error doesn't relieve you of your obligation.
486678
SINCE THIS WAS 1ST PARTY COLLECTIONS THERE IS PRETTY MUCH NOTHING YOU CAN DO ABOUT IT.  THE FDCPA ONLY COVERS 3RD PARTY COLLECTIONS, AND THIS WOULD BE 1ST PARTY.\n\nTHERE ARE REALLY NO LAWS COVERING 1ST PARTY COLLECTIONS, SO, YOU ARE OUT OF LUCK.\n\nWHY WOULD THEY HAVE ASKED FOR THE TITLE TO THE CAR, THEY SHOULD ALREADY HAVE IT IF THEY WERE THE LIEN HOLDER ON THE CAR.  WAS IT A SIGNATURE LOAN OR DID YOU USE THE CAR AS COLLATERAL ON THE LOAN.  YOU SHOULD NOT HAVE HAD THE TITLE.  YOU DO REALIZE THAT EVEN THOUGH YOU GAVE THE CAR BACK IT IS STILL GOING TO SHOW AS A "VOLUNTARY REPOSSESSION" ON YOUR CREDIT.\n\nGOD LUCK!
821661
If you listen to the 2 previous posts it is a little crime called INSURANCE FRAUD punishable by large fines and prision time. You could do what most people would do and try to sell it. If you owe more on it than it is worth keep driving it and paying on it until the value and payoff balance out. As wonderful a thought of being debt free is, you also signed a contract promising to repay the loan. If you renig, you dream of being debt free will continue even when you change your mind and want credit and no one will give it to you.
966259
Car loan companies usually wait until you miss three payments before they come and get your car.\n\nYou can try and take some sort of legal action, but your car will be gone before anything gets resolved. I would get the money together and pay the loan company and the repossession  folks soonest................
149333
They made a mistake at the bank, it happens all the time. Just take it back to the bank and explain the situation. They'll issue you a new one.
692124
Call the lender (or, possibly the collections agency if your situation has gotten to that point).  Many companies are willing to work with you because defaulting on a loan is bad for their business, too.  However, you have to show them that you are a responsible borrower:\n\n1.  Explain to them what happened (tell them just what you told us here)\n2.  Tell them that you will take responsibility from now on (the loans will always be in your name, so even if your mother still plans to pay them off, you should still keep a watchful eye on your account balance to make sure that she is never late) \n3. Ask what repayment options you have at this stage.  Some lenders will put you into a forbearance in order to alleviate your payment problems.  Other lenders will recommend that you consolidate your loans in order to lower your monthly payment.  Others will, as you suggest, devise alternative payment options called an "income contingent" or an "income sensitive" payment plans.  Ask them if they can do this and, if so, whether they can make your payments close to $50.  Generally, once you make 6 consecutive payments on time, you will be out of default, which will help your take-home wages and your credit report in the long run.\n\nRemember, too, that collections agencies deal with a lot of lazy people -- show them that you are different.  If the person you speak to is having an "off" day or doesn't seem willing to help you, try again.  Consider asking your former Financial Aid Office to contact them on your behalf (I have done this for students) -- sometimes they are more pleasant when dealing with someone "in the business."\n\nFinally, one of your rights as a Stafford or Perkins Loan borrower is that you be allowed to speak to an ombudsman when things get rough.  You can find one and learn about what they can do at http://www.ombudsman.ed.gov/  (Basically, an ombudsman is an individual who resolves disputes through an independent viewpoint; they do a lot of impartial fact-finding to make sure that you have been treated fairly.)
184656
When you took out the loans you probably signed something stating that if you do not pay this loan by this date, you give authorization to withdraw the funds out of your checking account automatically. You should read the disclosures that company has. As for your bank, they can not do anything because you gave authorization for that withdraw when you gave them your account number.
26836
Call your local Title Company and ask if they can help with this.  That's where I would start.
320816
If you are talking about a repo--- It is there duty to retrieve the auto if you are behind in your payments. They are hire by your lender.
763455
Talk to a lawyer.  You're going to have to sue, but you should be able to get your car back if you act before his creditors seize it or he parts it out.
762730
You should check on a line of credit.  It costs about 1-2% of these amounts to extend credit depending upon the terms.  It is quite possible they were losing money on these because it costs them every time they write the paper.  Banks have very thin margins.  It takes a lot of money to just make a little.  A 10,000 loan not paid down and paid in 365 days on average yields 100-150 dollars total.  Every transaction costs money.  Each cleared check costs money.  Each contract costs money.  It is quite possible it isn't worth their time.
970403
Did an attorney handle your bankruptcy?  If so, contact your attorney.  If you did it on your own, then contact the Trustee who is handling your case and ask him.  The Trustee won't be able to give you legal advise, but he will be able to explain your responsibilities.  You should also contact the company that holds your car loan right away.  If you have no income there is a SMALL chance they will agree to take back the car and let you off the hook, but get it writing!\n\nDon't just ignore the problem.  If you wait and let the car be repossessed, you will be responsible for paying the loan, their attorney's fees, repossession costs, etc. They will sell the car and apply the difference to the amount you owe, but they won't get full value for the car.  You will be responsible for the difference.  And you won't be able to bankrupt out of that.\n.
548294
Talk to the bank that did the loan. Maybe they can add your spouse on the paperwork. Hope this helps.
564283
not every lender reports to credit agencies...plus there are 3 agencies...did u check all 3?  \n\ncall to find otu which one they report to and if they dont ask them for a record of your payments.  then tell them "does this mean I can NOT pay you and nothing will happen if you cant find the car?"
772467
That's tough, I'm sorry.  \n\nThey should have contacted you prior to auctioning the car off.  They are also to  send you a notice telling you how much the car was auctioned for and how much you owe after the auction.  I'd request proof that they sent you something.  Being a co-signer they can and will go after you just like they would do your mother.  I'd contact a lawyer and see what he/she says.  There may really be no way of getting out from under it.  Some people would suggest bankruptcy, I don't think you should have to go that extreme unless you have other things you need to get rid of.  How's your credit?  Is this car on it as a negative? Maybe you could get a loan to pay the car off, if this is possible ask the collection agency if they'd accept a settlement.  I'd offer a little over half of the balance.  That way this would be paid and you'd have a new positive account (bank loan) to help repair the damage that's been done by the repossessed car.\nGood Luck.
1161043
Don't ever borrow money on your car.  Period.  Not for anything.  I lost my car that way once.  I lost a $6500 car for a $1000 loan.  I would not do it again for anything!!
621299
It's not fraud or extortion.  If the title is in his name, and you are not on the title of the home... he is the owner of the home.\n\nIf both of you are on the title, both of you would have signed mortgage docs (you would have had to acknowledge the presence of a mortgage).\n\nWhatever you two did with the money is between you two.  Yes you've been had; this is a civil matter.  Did you have an agreement between the two of you(written)?