I am sure you thought you were doing the right thing. However, like I always tell my wife ~ no good deed goes unpunished.
Seems like anyone helping someone out always gets taken for a ride. Renee, don't feel real bad it called stupid tax and most of us have paid it once in our life. The main thing is understanding what your legal rights are and what legally can be done to you, so schedule an appointment with a good lawyer to understand your financial obligations.
You need legal help. The insurance paid the bank for a reason, Was that because they considered the MH stolen? What are the rights of the insurance to recoup from you. You did not have a relationship with the banks insurance. Unless you already have it, you need more info and the way to do that would be through legal representation, unless you know the CA code enough to wade through the insurance claims. What claim does the insurance have on you?
X-2!!! You are way in over your head and it is hard to tell who actually has legal title to the coach, you or the insurance company, or the credit union. Right now you need to get a lawyer to protect yourself from any liability that you might incur due to actions of the person who has your coach, and to protect you from the insurance company and the credit union.
Sorry to hear about your problem. Regardless of how it happened the best thing to do now is to mitigate the consequences and the advice about getting an attorney is the best way to do that. I realize that's an additional expense you don't want, but it sounds like it is necessary at this time. Good luck.
Hi, it's Rexhall, (Rexair) 2000, Model Anthem, Body is 3250.
She is driving it around unregistered, or perhaps she has switched plates or somehow gotten a sticker for the license plate. Who knows? Not me.
Thanks so much for the extra eyes, ears, prayers.
Bad news. NADA does NOT show a 2000 3250, just a 3350 and its low wholesale is $27,000 and that is in GOOD condition and the odds are the thief will have destroyed the unit. Now, 1999 NADA does show a 3250 at $23,000, wholesale in good condition. Getting it back may be bad also. Most people that do what they did to you park it somewhere to live in and since they never drive it, they don't worry about registration. Curious, you stated after you put flyers on her parents home she was mad at you, WHY did she call you and why was she mad?>?? Doug
Sorry to hear the mess you've gotten yourself into. That said, here's the problem:
1. The coach is NOT STOLEN. So you can't report it as such. To do so would subject you to additional grief. (Filing false police report) You voluntarily gave permission to Tamara to have your coach. She has since failed to make payments. This now becomes a CIVIL NOT CRIMINAL issue, in California.
2. Even IF the coach is located, you can only repossess it through legal means. The police can't do anything to help unless you have a court order or some other legal document.
3. Without knowing what is contained in your insurance papers, no one can give you solid advice regarding settlements etc.
4. Having a PO Box on your license is legal in California. I had one on mine for over 30 years. Had it on my registrations too. Recent legislation (post 9/11)is now requiring a physical address be given to the DMV but it won't show on the license. Most people simply give the post office's street address.
Since this is CIVIL matter, I think you have two choices. 1. See a CIVIL attorney, or 2. File bankruptcy protection. Locating the coach without proper legal documentation will do you no good...zip...nada...zilch....my advice is to consult a civil attorney asap. The small cost for the consultation will help you to sleep better at night and hopefully get you pointed in the right direction.....from your description of events, I am not sure WHO owns the coach right now...I am guessing the insurance check the bank received was from THEIR insurance carrier based on your failure to pay the debt, not because you no longer possess the coach.....PM me if you have personal questions....Dennis
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Locating the coach may allow the owner to revoke permission to use. If it is then not returned, other action may be taken. There is a huge liability issue hanging. Sincethe title is still in Cowgirls name, any accident or other such action might result in her being found liable.
Seek a lawyer. Get any separation you can from this. BTW, I don't remember you having drawn up a document for the "resale". You need to get a legal definition and advice to mitigate responsibility.
I agree that you should not report it stolen if it is indeed not. Let a lawyer tell you your rights as the person you granted permission to agreed to a legal obligation of monthly.
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Don't know if it would work, but have you considered filing bankruptcy? Perhaps the bankruptcy court could set up some type of affordable payment schedule to provide some relief of your financial burden.
As others, I can certainly sympathize with you and the dilemma you're in. Unfortunately you just can't trust too many folks these days.
Best of luck and keep us posted on your situation.
Jim & Sherry Seward
Las Vegas, NV
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