Vehicle Repossession Legalities Explained

Summary

In Mississippi, a seller cannot repossess a vehicle without a court order if payments are being made, even if the amount is less than agreed. Harassment is illegal, and you can file a police report if it continues. Ensure all loan terms are documented in writing for legal protection.

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I purchased a vehicle four weeks ago from a friend that i help do chores at his home and property. He sold me a vehicle for $*,*.* and set the monthly payments at $*.* which he wrote down on paper and i signed. He told me on months i couldnt pay the entire *.* to pay what i could and months i could afford to pay more than *.* so i could get it paid off sooner but didnt put all that on the paper i signed. I draw social security disability and on payday */*/* i was only able to pay him $*.* due to moving home with my wife after we reconciled. I ask him on */* when i paid him the *.* could we change the payment to $*.* every month. He said no and that i had till */*/* five days to pay the remainder of the payment which would be *.* or he was coming to pick the vehicle up. I paid him *.* when i signed paper he signed titleto me with him as lien holder so i could register it and get my tag which i have done. He calling multiple times a day asking do i have the money, comes by my house every day asking do i have the money and he coming to pick vehicle up */* even following my wife around town going by her friends houses asking is she there telling them she owes him money and she has nothing to do with this at all. I live in calhoun county Mississippi can he legally come pick vehicle up and can he keep harassing us especially my wife
Based on your location and situation, here are a few key points:
- As per Mississippi law, a seller cannot repossess a vehicle without a court order if payments are being made.
- Harassment is illegal. You can file a police report if it continues.
- It's essential to have all loan terms in writing for legal clarity.
I signed paper stating payments were *.* i was only able to pay *.* this month so can he come pick vehicle up since i only paid *.* instead of *.*
As per Mississippi law:
- If you're making payments, even if less than agreed, the seller needs a court order to repossess the vehicle.
- For future, ensure all loan terms are documented in writing for legal protection.
- If harassment persists, consider filing a police report.
Thank you so much for your time
You're welcome, ****. If you have any more questions in the future, don't hesitate to reach out. Remember to document all interactions and keep all payment records. Stay safe!