Issuu on Google+

Maine IL auto repo laws-HELP!? In 2013 I opened a home healthcare agency and we incorporated shortly after. Anyone who knows what it's like to become licensed by medicare will understand WHY my personal vehicle was reposessed. During the licensure process medicare does not reimburse you for your patients- it comes from your own pocket (payroll, insurance malpractice etc) I was living on pennies and it was a scary time. I was only able to take a paycheck about once every 90 days. Meaning by the time my paycheck came I was behind on more than just my car. (gas, electric, water, mortgage) EVERY 90 days since we opened I make a payment to the finance company (including late fees-LOTS of late fees) and bring my account up to date. At the beginning of this year they reposessed my vehicle before I had received my check. They were understanding and saw that I made payments every 90 days (but since my contract obviously states I must pay monthly I was still in default understandably) I was able to retrieve my car by bringing my account up to date and paying all associated late fees and fees associated with the reposession and car storage. I did this the day after my car was taken and I THANKFULLY was allowed to pick it up. So 6 months has passed and this morning my car was again reposessed. (timing is everything I guess as we were finally licensed by medicare two days ago, which means I can now take a normal paycheck. When I found out on friday I took my staff out to celebrate and thank them for their hard work and yesterday I received my first REAL paycheck. YESTERDAY...I thought could finally breathe and the worry and sleepless nights were over) So yesterday I put all my personal bills on automatic payment with my bank account (something I've never been able to to do due the unpredictability of my situation) and all the bills were scheduled to be paid and brought up to date tomorrow. HA! One day too late. This morning they reposessed my car and shut of the gas to my home. (I find it odd that we work and struggle and our gas gets shut off however if I just quit my job the gas would get paid by state programs) I looked up everything I could find on ILLINOIS reposession law and rights of the consumer and found this only: "In Illinois, there are 2 ways for consumers to redeem their cars: •Method One: The 30% Rule 625 ILCS 5/3-114(f-7) (Illinois Motor Vehicle Code): Applies only to vehicles, and only where, at the time of repossession, the debtor has paid at least 30% of the total sale price (including down-payment and value of any trade-in, as well as monthly payments). If so, the debtor must be sent a notice which gives him/her 21 days to redeem. The notice must be mailed to the debtor within 3 days after repossession. Consumers who have paid the minimum 30% can get their cars back and reinstate the sales or loan contract if they pay the overdue payments, late charges and repossession costs. A debtor can redeem a vehicle with this method only once during the lifetime of the contract; •Method Two: Under 810 ILCS 5/9-623(c)(2) (Uniform Commercial Code): Applies to all consumers. A debtor can redeem any repossessed property at any time before the creditor actually disposes of it. However, the debtor must give the full amount of the balance of the contract, including all accelerated payments, plus the repossession and storage charges. Debtors usually won’t be able to do this unless they take out another loan or ask a friend or relative to purchase the car (assuming its worth what is left on the loan)". I am NOT upside down on the loan. The vehicle is currently worth more than I owe (Was purchased for 33,000 with a trade in vehicle they gave me 17,000 for. So my loan amount was 16,000 however the interest was Very HIGH so around 23,000 is what my loan actually ended up costing) I purchased the car in 8/2013 with a 60 month term so payoff was 8/2014. According to method one since Ive paid over 50% the amount owed on the loan I should've been able to get my car back. However since it has already been taken once it looks like Im not eligible for that now. I would abviously not be able to pay the car off immediately nor would I be able to get a new loan (due to the reposession which is probably ALREADY on my credit report) SO I believe I have given ALL information anyone could need. So here's my questions.....1. Do I have ANY recourse/rights after the 2nd reposession?2. Am I eligible to pay the past due and get the car back?3. Is it GONE FOR GOOD?4. IF the keep/sell/auction the car, they would end up owing ME money(about $6,000.00). Will they pay the money they would owe me or keep that too? Sorry for the novel-just wanted to make sure all info was here. Please no derogatory comments. I actually work VERY hard for a living. I have staff to pay- all have families and many are single moms. THEIR salary comes FIRST.THANK YOU FOR ANY INFO, HELP, or ADVICE new holden range. Used oil tankers Who is filters manufacturers in bangalore india? message/light is still on. Any suggestion on what I need to do? parts for 2003 hyundai tiburon maxime talbot commercia. Build biodiesel plant energy conservationist energy conservationist under inflated tyres fuel economy rover 10 for sale. Poole how to better gas mileage how to better gas mileage caterham evo car reviews. MARYBOROUGH What are some cool ideas to put on a summer bucket list for a 15 year old girl? I'm getting my car painted for 1700 and he went to

check it out and everything and said 1700 was a good price, he gave me a receipt for 700 I gave him upfront and said I owe 1000 on the car, now he called me and said he found some big dents and will charge me more, can he do that even if I have the receipt for 1700 what can I do and it is at a local shop not done in someone's garage. 900 kawasaki seat cushion w124 mercedes parts uk. D�GELIS Best Gas Mileage For Minivans diesel vehicles list windstopper convertible. Anaheim Nice cars with 4 wheel drive? I was lucky enough to have a 2013 GTI Autobahn with the navigation package and sunroof as my first car. About two weeks into the summer I got into a car accident in which someone failed to yield while turning left which resulted in me T-boning them. So after a couple stressful weeks trying to decide whether to get another GTI or choose an SUV, which we were lucky enough to have insurance reimburse me for my previous car. I ended up getting the Tiguan SE with moonroof and navigation, a crossover SUV, more compact than most SUVs. Now I'm deciding whether to trade in my Tiguan for another GTI. PLEASE HELP!!! I loved the handling and performance the GTI provided but I like the roominess of a SUV and sitting up high. P.S. Keep in mind I'm 17 so I have college ahead of me. THANKSSS!!! recaro young sport child car seat black. Used harleys for sale canada How many miles to the gallon does a diesel Penske moving truck get? How much money would one need to spend on gas to drive from Rutland Vermont to Albany new York ? mileage acura lustful dady Brisk Spark Plug Leicester triumph t140v misfire problem? Where can I find information about what type/grade of oil and oil filters, air cleaners, and such for a 1955 Ford Thunderbird? Also, I have been told to use a lead additive to the fuel, but how often does that need to be done? Manchester william morris hunt artist. BEJAR Should Obama be reelected? And if so, where will we be in 4 years? I'm looking to buy a used crossover SUV for basic city use in Dubai - office commuting, mall visits and maybe a long weekend drive... nothing too offroadish. The ones that fall within my price range seem to be Hyundai Tucson, Kia Sportage and Suzuki Grand Vitara, and maybe also the Mitsubishi ASX and Nissan Juke and Qashqai. Which one among the lot is the best option in terms of performance, safety, fuel economy, and especially maintenance, as the car would likely be past warranty period and i wouldn't want it to be bleeding me with frequent maintenance? Hit me with your suggestions please. 2013 volvo c30 fuel economy disney cars yellow. SAN FRANCISCO Best Gas Mileage For Minivans subaru car dealer in kellyton alabama shipping car cross. Most fuel Effecient Cars Delft Best Gas Mileage For Minivans Austin where do i buy a smart car. VICENZA I need help with my chemistry work (stoichemistry)? new 2012 jeep wrangler motor honda auto diy repair. Compare firestone to bridgestone tires North Korea, should we go to war with them? Is it horrible? How can I improve. Once, in a land now lost to the complexities of time, there was a city named Ebbur. It was the only thing that had lightness in this place world that was filled with many dangers and enemies. Ebbur was kept safe from the monstrous world by which it was engulfed. No, not due to diplomacy or great armies, but due to the treasure kept safe in the the tallest tower of the castle kept in the middle of this grand city; that was the Merl Stone.It had been foretold that if the Merl Stone had ever been taken away, the peace of Ebbur’s people would yield to discord, and the city would fall to war and destruction like the land that surrounded it. But, the mystic had also foretold, that the city might be saved by two simple souls with even simpler objects the city, there were two citizens headed to the castle that day, although for very different reasons. One was a young bookbinder’s son, named Nikolas Freeman. The other, a thief who was known as Aziz Just.Aziz ran out of the all but empty street and into a quiet corner where his only company consisted of the loudness of his breaths. He gazed upon the castle, specifically the tower that rose past the clouds. Today he was gonna score it big.His eyes traveled the structure, trying to find a way in. He studied the perfectly placed ivory stone, the sandy glass windows, and the several towers that reached toward the indigo sky. Shining like raised swords, but nothing of real note. Except the tallest one, out of it’s highest window came a pure, unfiltered light. The clouds reflected the energy from whatever was inside and were lit by it. Aziz didn’t know what was in there, just that it was special and even better, it was going to get him a bunch of money. Canterbury

accord 2dr honda accord. Torbay How to improve gas mileage on my 2013 Nissan Xterra 4x4 V6? all around the same yearcan you give a comparison such as Tahoe>Durango>Explorer like that?thanks passbook savings account advantages and disadvantages mini cooper 2003 review. Wholesale Gasoline Prices LEDUC what is the last car not to use electricity? Are they cranked by a self starter? Is there such an immensely powerful self starter that runs off batteries and can start such a big engine?Or are they started by some gasoline powered motor? North Wiltshire dot eagle. Most fuel Efficient Cars Canada CLWYD driving fuel calculator driving fuel calculator Arkansas shaltons talbot green. Santa Ana Best Gas Mileage For Minivans fuel consumption different speeds fiat panda recalls. CANTABRIA Gas boiler hot water setting? Tell why it's a good choice. List your top 3 if you can; just name the best one. Hulst auto loans minneapolis. Honda motorcycle parts raleigh nc How can anyone praise Obama's SOTU when it was full of lies? New Hampshire:1 New Hampshire has no general sales tax.2 New Hampshire has no general personal income tax. Dividends and interest are taxed at only 5%.3 New Hampshire state law prohibits the use of eminent domain for private use or private development.4 New Hampshire offers some of the least restrictive gun laws in the nation: no permit is required to open carry and a concealed carry permit is available on a shall issue basis.5 New Hampshire is the only state that does not have a mandatory seatbelt law for adults.6 New Hampshire is one of only four states that places no helmet restrictions on motorcyclists. \7 New Hampshire is the only state that does not mandate automobile insurance (though 89% of NH drivers have it).8 New Hampshire has no capital gains tax.9 New Hampshire legislators are only paid a salary of $100 per year, helping ensure the existence of a citizen legislature committed to public service, unlike every other state.10 New Hampshire has one of the smallest state bureaucracies.11 New Hampshire's constitution is one of only four state constitutions that expressly protect citizens’ right to revolution (Section 1, Article 10).12 New Hampshire offers the best representation of any state in the nation with a 400-member House of Representatives for a population of 1.3 million people.13 New Hampshire's unique Executive Council provides an additional check on the power of the Governor. Support of the independently elected five member council is required for state contracts over $5,000, high-level agency appointments, and pardons.14 New Hampshire has no inventory tax.15 New Hampshire has no tax on machinery or equipment.16 Reflecting New Hampshire’s relationship and openness to the public, the state capitol building has no metal detectors (and at 190 years old, is the oldest state house in continual use).17 New Hampshire is ranked 3rd for receiving the least federal spending as a percentage of federal taxes paid.18 New Hampshire's constitution does not specifically prohibit secession.19 New Hampshire is one of the few states that very lightly regulates raw milk sales.20 New Hampshire is the only state with no laws restricting knife ownership.21 New Hampshire officials, from town clerks to the state governor, are accessible to the public and generally have a walk-right-in office policy.22 New Hampshire offers the lowest tax burden as a percentage of gross income in the nation.23 New Hampshire is friendly to small businesses and entrepreneurs. New Hampshire is frequently among the top 5 in nationwide rankings of business-friendly states.24 New Hampshire's median household income of $63,942 is the highest in the country. US Census Bureau25 New Hampshire has a diverse economy, making it hospitable to movers from many lines of work.26 As of March 2013, NH unemployment is 5.2%; US average is 9.2%; NH is 4th lowest in the country.27New Hampshire shares a border with Canada, facilitating international trade and travel.28Manchester ranks #2 on Kiplinger's list of TaxFriendly Cities.29 New Hampshire has the lowest percentage of residents and children living in poverty in the nation.30 New Hampshire offers 5 Free Trade Zones, including those at Manchester Airport and the Port of NH.31 New Hampshire's overall per-capita tax collection is $1,711, 2nd lowest in the nation Tax Foundation32 Even though New Hampshire currently has the 4th lowest unemployment in the county, NH is also ranked 9th for the number of new jobs forecast for 2013.33 Retail businesses benefit from proximity to Maine, Vermont, Massachusetts, Connecticut and Canada as residents shop in New Hampshire to benefit from the lack of sales tax.34 New Hampshire receives the 3rd lowest farm subsidy dollars from the Federal Government, 0.1% of the total subsidy dollars handed out.35 The Manchester-Nashua metro area ranks 1st on the Forbes List of America's 100 Cheapest Places To Live.36 Portsmouth has the 10th lowest unemployment rate out of 369 metropolitan areas in the U.S. and thus is among the 30 Best Markets to Find a Job.37 New Hampshire is ranked 9th in the nation for percentage of high-tech start-upsIf you want to compare to a state with the same environment, with

a similar industries that's ran by a ultra-liberal state government look at Vermont and compare PLEASE. freestateproject /101ReasonsQuality of Life78 New Hampshire has an active pro-liberty social community. Participants host weekly events like Social Sundays, Nashua Liberty Social, and holiday parties, along with weekly and monthly mixers. Your social calendar will always be full! NH Liberty Calendar and PorcCalendar79 New Hampshire has been ranked #1 in the nation for quality of life and livability 5 years in a row. Congressional Quarterly80 New Hampshire is the safest state in the country. CQ Press81 New Hampshire is the 2nd healthiest state in the nation. America's Health Rankings82 New Hampshire is ranked 1st for health care quality. Federal Agency for Healthcare Research and Quality83 New Hampshire has the 3rd fewest fatalities per 100 million miles driven. Reason Foundation84 New Hampshire is ranked 1st nationally in the index for child well-being. The Annie E. Casey Foundation85 New Hampshire is the least expensive state in which to own a vehicle. Forbes86 The annual New Hampsh7 minutes ago7 Bedfordshire you tube renault song. Wiltshire Best Gas Mileage For Minivans toyota hilux 3.0 diesel fuel consumption north face lotus review. Honda s2000 specs gas diesel prices gas diesel prices alfa romeo 147 india capacity of reliant stadium. Benalla How would you define success? replaced injectors, checked fuel filter and fuel is getting through. i do hear the fuel pump turn on when i turn key....the fuse under hood is good. should replacing the fuel relay be the next step tuned alfa romeo local ford explorer. BLAINVILLE fuel econonmy fuel econonmy experian fuel economy labels where is toyota camry made. Gmc sonoma recall Best Gas Mileage For Minivans prospect pa auto sales 152 caterham. LIMOGES What is the weirdest fact ever? best fuel economy suv 4wd 02 mercedes benz s class. Hampshire Is a 16 City MPG and a 22 HWY MPG okay (used car)? The average mpg indicator on my new Toyota SUV consistently displays 6+ mpg although the vehicle ratings say it is 13 city 17 highway. The dealership says I just need to drive it a few more miles and the indicator will "kick in". Has anyone ever heard of this? motorcycles mini classics ferrari. NICOLET What is the best car to get for a price range of $18,000-$24000? I am in search of a car and i cam across this car it seems cool and with Hybrid Technology which is good in these days coz its hard to afford the petrol please suggest me what i should do should i go with this? here is the link you guys can read the specification of this car for more clearance. racecar .pk/index ?page=item id=148 coffee reduce electricity consumption fairprice car hire. 1992 volvo 940 turbo gasoline fuel additives gasoline fuel additives Portland need new tire. New Ross Best Gas Mileage For Minivans most horsepower best fuel economy maserati france.

Best gas mileage for minivans