I need some legal advice.?

My grand dad is 90 years old, he purchased a car back in 2004 but forgot to insure it. The car was totaled. He and the rest of the family had been paying on a car that no longer exists since then but it really turned into a burden so we still pay but not every month. My gran dad is pretty much at a point where he said he%26#039;s done with and doesn%26#039;t care about it messing up his credit. The car is GONE and the bank threatened to place a lien on his house and detain him. Can they do that?

I need some legal advice.?

Yes, yes they can. And your grandfather needs to becarful because when he dies, you%26#039;re parents can be stuck with the bill. Have your family get a lawyer and a credit counselor so this can be worked out. You don%26#039;t want to go down this road, it will be messy and not end well for your family. These things just don%26#039;t go away, even when the individual dies.

I need some legal advice.?

Have him put his house in your parents name etc..then screw the bank,If he didn%26#039;;t have insurance and was paying on the car the bank usually insures it and you pay a heavy price for it. Wonder why they didnt do that.

I need some legal advice.?

I%26#039;m not a lawyer, so please don%26#039;t take anything I say as %26quot;legal advice%26quot;.

You might want to visit FindLaw.com (or other law websites that allow questions). Post your question and you may get advice from lawyers who visit the site. (Though you really need to talk to a lawyer PERSONALLY to be sure you are actually getting %26quot;legal%26quot; advice.)

The bank probably has the right to put a lien on your grandfather%26#039;s property. If the loan is not satisfied prior, when your grandfather passes away, the bank will be paid (the balance of the loan, plus any interests and penalties that accrue) before beneficiaries receive anything.

I can understand your grandfather%26#039;s position (not worrying about his credit). If your grandfather signed the loan and the bank accepted it, without co-signers, it doesn%26#039;t seem to me that it is YOUR, or your family%26#039;s, responsibility to pay the loan.

Forgive me for saying, but at 90 years old, I%26#039;d let the bank wait till he died to get their money [unless the interest and penalties are so outrageous, it will devastate the estate to do so]. He took out the loan, they accepted it -- the contract is between them.

Detain your grandfather? From what? Does he travel or spend money (lavishly) that could be going for the car? I don%26#039;t see how they can %26quot;detain%26quot; him. It sounds like a scare tactic, if anything.

Take a look at the contract (for the loan) for details and %26quot;consequences%26quot;.

There are free legal services, and some that take cases for nominal fees (like $25). Call your county%26#039;s law librarian and ask him/her for listings.

Again, I AM NOT A LAWYER!! I%26#039;m just offering my opinion.