Iam behind on my car

Have you been in contact with your loan comapny regarding this matter?

I beleive legally they can repo it at any time once you are late.

Last year I was behind on my carpayment from April or May, didn't want the car (obtained it in the divorce) my payments were way too high and there was no way I could catch up, I talked to my lender and tried to voluntarily re-posses it, but they didn't actually come to repocess it until August. You have to talk to your lender see if you can defer you payment to catch you up to current(most lenders will let you do this one time)-the payment gets tacked onto the end of the loan so you still have to pay it but it can get you caught up. This would be your best option but you have to communicate with your lender or else they won't be able to help you.

Most companies are not going to repo at only 34 days behind but they can do it and I have seen it done. They have the right to repo at any time. I think if you have a good history with them and call and talk to them about when you can make a payment they will work with you.

They can repo anytime you are late, however most companies will try to work through the situation with you, because when it comes down to it they don't want the property back, they want their $$$$ per the terms of the loan.

I agree with talking to the lender and seeing about a deferrment. We did that one time and for us, we are allowed 2 through the life of the loan. We did have to pay the interest though.