If a person gets their car repo'ed, are they responsible for the negative equity if they choose not to keep it

Question:
or does it just go as a bad mark on your credit and further banned from any other transaction with the particular financial institution?

Answers:

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Yes they, you are responsible for any negative equity. They will sell the vehicle, and if they sell it for less than what you owe, you will owe them the difference. And it puts more than just a bad mark on your credit rating...it puts a red flag to all financial institutions that you have had a repoed car. Your credit rating will go down in the dumps and your interest rates, if any institution give you credit, will be sky high!!

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If you owe $10,000 and your car is repo'd. The bank then sells it at auction for $7000. You now owe the bank $3000 instantly. Not on payments, not continuing your payments, instantly.

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The repo alone will destroy your credit and you will only buy a car now at a buy here pay here for at least 5 years if not longer. The extra money if not paid will go on your credit as a non payment of a debt no different than not paying a bank, credit card, etc.

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One is bad enough to have on your credit, to have both is even worse. Your best interest is to pay up all you owe on the car and beg for the bank to let you have it back. Besides all late money they will also probably want 2 months in advance and any fee's for towing and storing it. This might sound like a lot but its less than the damage it will do to you over time for the repo and you still have an out standing balance to pay.

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Hate to say it.but you are standing in a hole that is 10 ft deep.you are holding a shovel..either you are gonna dig yourself down another 30 ft or you can use the shovel as a boost to get out of the hole...your choice.

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PS - to have a repo on your credit report will make all future credit transactions have a super high interest rate as you will be classifed as high risk. plus many will turn you down and a house will be most likely out of the question for a long time.

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Both. If you have negative equity, and the lending institution can't get it back through the sale of the vehicle, then you are on the hook for anything the lending institution can't get back. My advice- get the car back, and then sell it if you can, give the lending institution the money, and arrange payments for the balance.

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Yes thet are obviously responsible for the negative equity! If the person was to pay off the car they still will be stuck in the negative, depending on the car model! But they are responsible because thats what it most likely states in the contract they signed!
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