Ohio Car Repossession Laws

Summary

In Ohio, if you stop making car payments after a Chapter 7 bankruptcy discharge, the lender can repossess the vehicle due to the lien remaining on the car. Ohio Revised Code § 1309.609 allows repossession after default, and Federal Bankruptcy Code § 521(a)(2) requires debtors to declare their intention regarding secured property. Spiritual beliefs do not alter these legal obligations. To avoid repossession, continue payments or explore options like loan reinstatement or vehicle redemption. If a lien impairs an exemption, consider filing a Motion to Avoid Lien under 11 U.S.C. § 522(f). For property tax reductions, the Ohio Homestead Exemption may apply to disabled residents. Legal systems do not recognize religious beliefs for compensation claims. Seek legal counsel for serious matters like reporting past crimes.

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What is the Ohio law that backs your response?
In Ohio, the relevant law is tied to the concept of a "secured debt" in bankruptcy. Even after a Chapter * discharge, the lien on your car remains. This is supported by:
- Ohio Revised Code § *.*: This allows a secured party to take possession of collateral after default.
- Federal Bankruptcy Code § *(a)(*): This requires debtors to state their intention to retain or surrender secured property.
Do you need more details on this?
What if I have retained the property but i and the car are surrendered to God for his purposes do I have to make payments?
It sounds like you're asking about the potential for religious or spiritual considerations to impact your legal obligations. Unfortunately, surrendering property to a religious purpose does not alter your legal obligations to your lender. You are still required to make payments on the car to avoid repossession.
If you have more specific questions or need further details, feel free to ask!
God is my lender
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It seems like you are dealing with a car loan issue after a Chapter * bankruptcy discharge. While spiritual beliefs are important, they do not affect legal obligations to your lender. You must continue making payments to avoid repossession.
Do you have any other questions related to this issue?
My debt was paid thru Christ I should not be liable to anyone but God who is over all things
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I understand your perspective, but legal obligations in Ohio still apply regardless of religious beliefs. If you stop making payments on your car loan, the lender has the right to repossess the vehicle.
Would you like to know more about the legal processes involved in car repossession after bankruptcy?
Although he or she or company or organization may think has the right to repossess the car I will ask God if I can keep the car for his purposes as It’s His that I use for His purposes thru me. And if I still have to make payments to keep it. Makes no difference to me either way. I am content but I am curious.
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Your spiritual beliefs are important, but legally, you still need to make payments on your car to avoid repossession. Ohio law allows lenders to repossess the vehicle if payments are not made, even after a Chapter * bankruptcy discharge.
If you have any other questions, feel free to ask!
There is a state man made law but there is also God who is supreme maker of laws and people and over all things
Case Rating: *
I understand where you're coming from. While your spiritual beliefs are significant, they don't negate the legal obligations under Ohio law. To avoid repossession, you must continue making payments on your car. If you have any more questions or need further details, feel free to ask!
Repossession could happen doesn’t mean I won’t get the car back and that God won’t release every plague or raise hell to deliver it back to me or even provide an upgrade or down grade fully paid working safe vehicle bike or healthy feet or form of transportation.
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It seems like your main concern is about the legal obligations to continue making car payments after a Chapter * bankruptcy discharge in Ohio.
Here's a summary of your situation:
- In Ohio, after a Chapter * bankruptcy discharge, the lien on your car remains.
- Under Ohio Revised Code § *.* and Federal Bankruptcy Code § *(a)(*), the lender can repossess the car if payments are not made.
Would you like to know more about how to handle repossession or any other legal aspect related to this?
Yes if a repo takes place I would like to know how to fight it . And how through a bankruptcy a lender is credited and freed from its debt obligations when a bankruptcy is discharged
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If a repossession occurs, here are some general steps to consider:
- Reinstate the Loan: Pay the past due amount plus any repossession costs to get the car back.
- Redeem the Vehicle: Pay the current market value of the car in a lump sum to keep it.
- Negotiate with the Lender: Work out a new payment plan or settlement.
Regarding the lender's credit and debt obligations post-bankruptcy discharge:
- Secured Debt: The lien on the car remains, and the lender can repossess the car if payments are stopped.
- Discharge: The lender can't sue for the remaining debt balance; the discharge eliminates your personal liability.
Do you need more details on any of these options?
How is the debt secured if the debt was discharged?
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The debt is secured by the lien on the car. Here's a concise breakdown:
- Secured Debt: The car loan is a secured debt, meaning the lender holds a lien on the car.
- Discharge: While the bankruptcy discharge eliminates your personal liability, the lien remains.
- Repossession: The lender can repossess the car if payments are not made.
Do you need more details on how to manage this situation?
How do I lift a lien from a discharged debt without payment
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To lift a lien from a discharged debt without payment in Ohio, you generally have limited options. Here are a few potential steps:
- Negotiate with the Lender: You might be able to reach an agreement to release the lien.
- File a Motion: In some cases, you can file a motion with the bankruptcy court to remove the lien.
Would you like to know more about any specific option?
Yes what motion can I file legally to remove the lien and help me keep the car and avoid payments and repossession based on past successful cases
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You can consider filing a "Motion to Avoid Lien" under certain circumstances. Here's a brief overview:
- Motion to Avoid Lien: If the lien impairs an exemption you are entitled to, you might be able to avoid it under * U.S.C. § *(f).
Would you like more detailed information on this motion?
Yes can you clarify and give details of that
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In Ohio, filing a "Motion to Avoid Lien" might help under specific conditions. Here are the key points:
- Motion to Avoid Lien: This is done under * U.S.C. § *(f).
- Criteria: The lien must impair an exemption you are entitled to.
- Process: File the motion with the bankruptcy court and provide evidence that the lien impairs an exemption.
Would you like more details on how to file this motion?
Yes and what are possible exemptions I could be entitled to
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In Ohio, you may be entitled to the following exemptions when filing a "Motion to Avoid Lien":
- Homestead Exemption: Protects up to $*,* in equity in your home.
- Motor Vehicle Exemption: Protects up to $*,* in equity in one vehicle.
- Wildcard Exemption: Protects up to $*,* in any property, plus any unused portion of the homestead exemption up to $*,*.
Would you like more details on how to file this motion?
Yes
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To file a "Motion to Avoid Lien" based on exemptions in Ohio, here are the steps you need to follow:
- Identify the exemption: Determine which exemption the lien impairs (e.g., motor vehicle exemption).
- Prepare the motion: Draft the motion explaining how the lien impairs your exemption.
- File the motion: Submit the motion to the bankruptcy court.
- Provide evidence: Present evidence supporting your claim that the lien impairs your exemption.
Would you like more detailed assistance with the motion preparation or any other legal aspect?
Yes
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To help you further with the "Motion to Avoid Lien" and ensure your car is protected, here are the details:
Steps to File a Motion to Avoid Lien:
- Identify the Exemption: Determine which exemption the lien impairs (e.g., motor vehicle exemption).
- Prepare the Motion: Draft the motion explaining how the lien impairs your exemption.
- File the Motion: Submit the motion to the bankruptcy court.
- Provide Evidence: Present evidence supporting your claim that the lien impairs your exemption.
Would you like more detailed assistance with the motion preparation or any other legal aspect?
What would be successful examples of a lien impairing my exemptions
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In Ohio, a lien impairs your exemption if it reduces the value of the property below the protected amount. Here are examples:
- Motor Vehicle Exemption: If your car's equity is $*,* and the lien is $*,*, it impairs your $*,* exemption.
- Homestead Exemption: If your home's equity is $*,* and the lien is $*,*, it impairs your $*,* exemption.
Would you like more detailed information on how to proceed?
If my car was one of my homes and my car was repossessed and I have the homestead exemption then how do I get that car back
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To clarify, in Ohio, the homestead exemption typically applies to real property (your home) rather than vehicles. Here are the steps you can take to potentially reclaim your repossessed car:
*. Reinstate the Loan: Pay the past due amount plus any repossession costs.
*. Redeem the Vehicle: Pay the current market value of the car in a lump sum.
*. Negotiate with the Lender: Work out a new payment plan or settlement.
Would you like more detailed information on any of these options?
The car was paid off valued at 10k the third party debt secured the car at 10k debt let’s say 5k of the debt was paid
Case Rating: *
Got it. In Ohio, if the car was used as collateral for a third-party debt, and payments are not made, the lender can repossess the car. Here are the steps you can take:
*. Reinstate the Loan: Pay the past due amount plus repossession costs.
*. Redeem the Vehicle: Pay the current market value in a lump sum.
*. Negotiate with the Lender: Work out a new payment plan.
Do you need more details on any of these options?
What are my rights with exemptioms
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In Ohio, here are your rights regarding exemptions:
- Homestead Exemption: Protects up to $*,* in equity in your home.
- Motor Vehicle Exemption: Protects up to $*,* in equity in one vehicle.
- Wildcard Exemption: Protects up to $*,* in any property, plus any unused portion of the homestead exemption up to $*,*.
Do you need more details about how to apply these exemptions to your situation?
What is wildcard exemption
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A wildcard exemption allows you to protect any property of your choice up to a certain amount. In Ohio, you can protect up to $*,* in any property, plus any unused portion of the homestead exemption up to $*,*.
Do you have any other questions about exemptions or how they apply to your situation?
What law, act ordinance statute or precept says a disabled person does not need to pay any property tax in the state of ohio
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In Ohio, there isn't a specific law that exempts disabled persons from paying property taxes entirely. However, there is a property tax reduction program for disabled residents:
- Homestead Exemption: This provides a reduction in the taxable value of the property for qualifying homeowners, including those who are permanently and totally disabled.
Would you like more details on how to apply for the Homestead Exemption in Ohio?
show me the law and act that backs the exemption for *% removal of all taxes
Case Rating: *
In Ohio, there isn't a law that provides a *% exemption from all taxes for disabled persons. However, the Ohio Homestead Exemption provides a reduction in property taxes for eligible seniors and disabled homeowners.
Here are the relevant laws and acts:
- Ohio Revised Code § *.*: This section outlines the Homestead Exemption program reducing property taxes for qualifying homeowners, including those who are permanently and totally disabled.
Would you like more details on how to apply for the Homestead Exemption in Ohio?
What is the scripture that says God owns all things and all things are free to us as co heirs?
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Hi! Here's a scripture that reflects the idea that God owns all things and we are co-heirs with Christ:
- Psalm *:*: "The earth is the Lord's, and everything in it, the world, and all who live in it."
- Romans *:*: "Now if we are children, then we are heirs—heirs of God and co-heirs with Christ, if indeed we share in his sufferings in order that we may also share in his glory."
Would you like more information on any legal topics?
How can I use these supreme laws for compensation from everything stolen from me in my life?
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It seems like you are looking to use religious or spiritual scripture to claim compensation for past losses. Unfortunately, legal systems do not recognize religious beliefs as a basis for legal compensation. However, if you feel you have been wronged or had property unjustly taken, you might consider the following:
- File a Claim for Damages: If you believe you have a legal basis for claiming damages, you can file a lawsuit in civil court.
- Report to Authorities: If you believe a crime has been committed, report the matter to local law enforcement.
Do you have any specific incidents or legal issues you need help with?
I tried to file a report at the county office and the refused to accept my report and turned me away and lied to me about the statute of limitations
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That sounds like a frustrating experience. To better assist you, can you provide more details about the nature of the report you were trying to file and the specific statute of limitations issue involved?
I tried to report rape and molestation and purity violations from childhood and as an adult who is disabled and vulnerable
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I'm very sorry to hear about your experiences. This is a serious matter that requires attention. Would you like to be connected to local lawyers who can better assist you with your case? By submitting this request, I authorize you to forward my information to multiple potential lawyers and I agree to your Terms of Use and Privacy Policy including the Consent to Receive Automated Phone Calls, Emails and Texts. Information you provide is not privileged or confidential.
If you agree, can you provide a bit more information about the incidents you mentioned?
I would like to file the claims and fight it with the grace of God and Jesus and me with Gods holy spirit
Case Rating: *
Would you like to be connected to local lawyers who can better assist you with your case? By submitting this request, I authorize you to forward my information to multiple potential lawyers and I agree to your Terms of Use and Privacy Policy including the Consent to Receive Automated Phone Calls, Emails and Texts. Information you provide is not privileged or confidential.
Can you give me a bit more information about the issue?
I don’t mind supporting counsel
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It seems like this is a high-value case that could benefit from legal assistance.
Would you like to be connected to local lawyers who can better assist you with your case? By submitting this request, I authorize you to forward my information to multiple potential lawyers, and I agree to your Terms of Use and Privacy Policy, including the Consent to Receive Automated Phone Calls, Emails, and Texts. The information you provide is not privileged or confidential.
Can you give me a bit more information about the issue?
I will consider but I have to ask the Lord I think he may want me to do this myself with him but you can send me the information and I’ll ask the Lord
Case Rating: *
Would you like to be connected to local lawyers who can better assist you with your case? By submitting this request, I authorize you to forward my information to multiple potential lawyers and I agree to your Terms of Use and Privacy Policy including the Consent to Receive Automated Phone Calls, Emails and Texts. Information you provide is not privileged or confidential.
Can you give me a bit more information about the incidents you mentioned?
Just provide the info please I’ve already said a lot and I need to take it to Jesus about further action
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It sounds like you have a serious legal issue that could benefit from professional legal assistance. Here are the steps you can consider:
*. File a Police Report: Even if you were previously turned away, try again or visit another law enforcement agency.
*. Seek Legal Counsel: A lawyer can help you navigate the complexities of your case and ensure your rights are protected.
Would you like to be connected to local lawyers who can better assist you with your case? By submitting this request, I authorize you to forward my information to multiple potential lawyers and I agree to your Terms of Use and Privacy Policy including the Consent to Receive Automated Phone Calls, Emails and Texts. Information you provide is not privileged or confidential.
I already filed reports and the prosecutor said they would not do anything
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Would you like to be connected to local lawyers who can better assist you with your case? By submitting this request, I authorize you to forward my information to multiple potential lawyers and I agree to your Terms of Use and Privacy Policy including the Consent to Receive Automated Phone Calls, Emails and Texts. Information you provide is not privileged or confidential.
Can you give me a bit more information about the issue?
I will talk to God. Bye
Case Rating: *
Your situation involves very serious legal matters that could benefit significantly from professional legal assistance. If you reconsider, seeking legal counsel could provide you with the guidance and support you need to navigate the complexities of your case. Take care.