Title Loan with AutoPawn in California

Hello

Unfortunately, I needed quick cash back in April, so
I used my paid off vehicle to get a car title Loan. I
I am unable to keep up with the payment of $256 a
month as I am single and just trying to get by. Does
anyone have experience with these type of places.
Does loan colidation programs include these?. The
name of the company is AutoPawn and they are in
California. I am in Maryland. Help. Thanks

The loan is attached with your car. I am not sure if any consolidation company will take secured debts in the plan. Most of the companies don't. But if you have any other unsecured debts with your creditors, include that in the plan and save some money in interests and fees. This saving can be used towards your title loan as well as other necessary expenses.

Where you have a title loan against your vehicle, you have to either pay the monthly payment or they will repo your vehicle and then you have either 30 or 60 days to pay the loan off or they auction off the vehicle and you are still responsible for the amount you borrowed. I haven't heard of any place that will consolidate secured debt.

How far can you get behind before they repo the vehicle? Do you think they would be willing to work with you by extending your payments before they took your car?

These guys are ruthless when it comes to payment terms. If you're late by just a couple days, they'll start calling all your references and repo your car!
Borrow some money from a friend or relative to pay this off as soon as you can...they don't fool around!

erzeke is right. They don't mess around and I have heard that if you are one day late, the repo guy comes knocking, lets you know he is there and he takes your vehicle. When that happens, all you can do is somehow get the money together and pay the note off.

Sometimes, the repo happens without informing also. My brother went to some office for urgent work. When he returned back, he found his car picked up from the parking lot. Tammy, you are right. He was just couple of days behind the due date and it was an unfortunate incidence to grasp.

Oh my goodness. Are all of them that bad?? My nephew had one with Midwest in Illinois and they let him get behind a couple of months. The first month he couldn't pay on time, they sent him a late notice informing him that he needed to pay by the next due date and he couldn't pay it when it became due so they finally repoed his car. He got it back at tax time, but he had to pay triple the oringinal amount he owed, because he had to pay for the storage for each day.

To the first Guest, how far are you behind now?

Hi: I am behind by two months...but they are working with me...

If you are talking about the title loan, you need to get this loan paid in full or get the title loan place the two months payment that is owed. They don't mess around and they will repo your vehicle and as stated above, you will pay more to get the vehicle back. If you don't and they auction off the vehicle, you will still be liable for the amount still owed and I think that they report this to the credit bureaus as a repossession which will have a harsh impact on your credit score.