Q: Can a bank that has a lien on my car file charges against me if I refuse to give them an address to repo the car?
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A:
If a bank holds a lien on your car and you refuse to provide them with an address to repossess the vehicle, they cannot typically file criminal charges against you for this refusal alone. However, they do have other legal options to pursue the repossession.
The bank can hire a repossession company to locate and retrieve the vehicle, which might involve significant effort and costs. Refusing to cooperate can lead to additional fees and complications for you, as well as potential damage to your credit score.
If the situation escalates, the bank may take legal action through civil court to enforce the repossession. It is generally advisable to communicate with the bank to find a resolution, such as negotiating payment terms or voluntarily surrendering the vehicle to avoid further legal complications. Consulting with a legal professional can also provide you with specific guidance based on your circumstances.
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