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    kelliea05's Avatar
    kelliea05 Posts: 1, Reputation: 1
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    #1

    Feb 24, 2011, 07:27 PM
    If you are not in default of car loan but mechanics lien on it can bank repossess it?
    Can bank repo car because of mechanics lien even if you are not in default with bank
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #2

    Feb 24, 2011, 07:58 PM

    What does your loan documents say about a mechanic lien?

    Normally no, as long as you pay them back, but the other lien could cause them issue, so you need to look at the terms of your loan
    AK lawyer's Avatar
    AK lawyer Posts: 12,592, Reputation: 977
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    #3

    Feb 24, 2011, 09:01 PM
    Quote Originally Posted by kelliea05 View Post
    can bank repo car because of mechanics lien even if you are not in default with bank
    What state is this? In most places with which I am familiar, a "mechanic's lien" has nothing to do with automobiles and people who fix them. And, of you have it, the statutory citation for this lien you are concerned with would be helpful.
    excon's Avatar
    excon Posts: 21,482, Reputation: 2992
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    #4

    Feb 25, 2011, 05:39 AM

    Hello k:

    The bank would NOT have a mechanics lien on your car, so one being on your car would not prompt them to repossess it. Some OTHER debtor put that lien on your car.

    excon
    AK lawyer's Avatar
    AK lawyer Posts: 12,592, Reputation: 977
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    #5

    Feb 25, 2011, 08:06 AM
    Quote Originally Posted by excon View Post
    ... Some OTHER debtor put that lien on your car.
    You mean "creditor".
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