Car repossessed

Well, if they repossessed it, then unfortunately it is no longer your car so there really isnt anything that you can do.

They haven't repossessed it.

Are they attempting to find the car to repossess it?

It should say who the other company is that now is taking care of your loans. You will have to bring your account up to date with them buy paying back the missed months. Call both companies back and explain you want to pay the late payments to bring your account up to date and don't hang up until you get an answer of who has it or if it was turned over to a collection agency.

Keep in mind after a month late they start calling usually at 2 months late they start to threaten with repossession and by the 3 or 4th month they start making good on those threats.

Good advice from Skoolie, don't hang up until you get an answer.

I agree you definitely need to stay on line until you find out who has your loan. But they are required to give you a written notice when they sale your loan to another company. If they did not check with a local lawyer, but I believe that can put them (the loan company) in a default situation. But bottom line, you need to stay on the phone till you get an answer. If you don't go see a lawyer and have he or she send the loan companies a letter or make a call to them. A lot of the time with things like this you have to work through the legal system. The loan companies surely would if the shoe were on the other foot.
Hope this helps.

Three questions how long was your car out for repo anything past 90 day usually begins the repo process however after 120 days late the account gets charged off when they said they sold the account to another company they meant to say the account with a bunch others went to a recovery agency they sent it back cause they couldnt satisfy their part of the collection so your finance company will now sell the account for a small amount with a portfolio of delinquent accounts to a company that will try to complete the repo and collection process. What I would suggest for you is to send a written request to your original finance company requesting your payment history and your payoff balance, to whom and the companies contact info they are required to respond within an alloted time. Also you can contact the dmv or your insurance company ask who the lien holder of the car is . you will probably not be able to refi cause you will owe way to much but most likely the lien holder will settle on for 70% of balance owed.