... but I dealt with it like a champ!
On the 23rd, the first full day of Autumn, bright & early in the A.M. – around 7am – some investigator somebody from the county came to my door to retrieve my car for the bank. Normally this would be called getting your car “repossessed” – apparently it is different in this case.
He explained something about how high ticket items (which I laughed at – given the condition my vehicle is in after surviving the accidents it has been through & the state of the engine – but, whatever) often didn’t go through the repossession process with tow truck drivers because they don’t have the same authorities as he does nor do they tend to make as serious of an effort to actually track down the vehicles. With the apparent value of my vehicle, he was able to get the authorities involved, if necessary.
Whatever, who really cares? Let’s just face the facts here. I paid on this car for 2 1/2 years. I still owed another 13,000 dollars when disability found me. Intended to make arrangements with the bank – did in fact. But, those darn attorneys get involved & I allowed things to get all messed up. As a matter of law – the car belonged to me. Period. There was no perfection of my loan – no lienholder on the title. In the eyes of the law – no lien. I found this all out when going to file bankruptcy because of 2 – 3 hundred thousand dollars in doctors bills that were outstanding from my car accidents.
I was in a pickle.
Many of my clinics and physicians were refusing to see me because the bills were unpaid. The bills were unpaid because the insurance companies were busy arguing over who owed them. I was caught in the middle. I surely didn’t owe them. But, I need to continue on with treatment. Bankruptcy was my way to continue my medical care.
But, although I had made arrangements with the bank/credit union to lower my payments temporarily, my bankruptcy attorney was now saying that this was ill advised. For a mulititude of reasons. Including the fact that you cannot favour one creditor over another & a whole host of other reasons to include our finding out that they had never perfected the loan to begin with.
This began over 2 years of legal wrangling over the legal ownership of the vehicle. He said, she said. Blah blah blah. We are talking about forged documents by the dealership that I bought the car from & perhaps even forged documents of another sort in the end. This isn’t a bunch of crap – I am serious. As jaded as I thought I was already – I was so disheartened at the lengths people will go to to get their way. People forged my name, impersonated me to get documents. Crazy. This isn’t a friggin Mercedes Mabek I am talking about. I am only talking about a loan value of $13,000. Who lies, forges documents, & commits crimes over such things?
So, anyway… In the end, even though all signs pointed to me keeping the vehicle & paying some sum to the bankruptcy court for the car – the trustee determined that the ownership & interest belonged to the credit union. It was determined that they had a legitimate title card all along. Between you & me – I highly doubt this “fact”. If they supposedly had this since early ‘02 when the loan was taken out – why would they have paid for an attorney & gone through all this legal mess all this time – 2 years… if they had this all along?
In fact, frankly, I am fairly certain this was manufactured as well. But, here’s the kicker:
It really doesn’t matter!
Why?
Because sometimes the universe speaks loud enough that we must hear her voice. Everything legal said I was entitled to this vehicle. But, morally, ethically, how was I? The credit union had been good to me. They were that wonderful community bank, friendly lender – sorta like in “It’s a Wonderful Life”. I adored the manager – we had a splendid relationship. I never intended to get something for nothing. Never. It just isn’t my way. I pay my way. I suppose I paid my way this time too – in just a different sort of way.
At some point I began to feel entitled. My title was forged. My identity stolen in the process. I WAS wronged. Yeah? So what? I still owed thousands of dollars. I perhaps should not have been painted into a corner with my medical bills & in a manner of speaking “forced” to file bankruptcy when my personal debt was minor. But, that still does not entitle me to something I did not earn or pay for. PERIOD.
Maybe a part of me forgot that along the way?! I said I didn’t. I knew better – I said I knew. But, maybe I didn’t. When I got the call a month ago from the trustee telling me of the determination – I was numb. No more wrangling. No more fighting. No more!!! It was over. It was done. I could have continued on. Especially since I am confident that this document isn’t real either. But, that wasn’t the point. I was ready to move on. To let go. To release.
Exactly one month from the phone call – this guy showed up at the door – like 7am. Maybe earlier. I think he was prepared for a fight – he started to roll out a litany of possible threats – in the event that I didn’t cooperate. Instead, I told him to come in – I had to find the key & asked if I could get whatever was left in the car out. I asked to review his document. I could tell he was a bit taken back by my response.
I realize that people get wigged out in these circumstances. But, I think these are the moments that really define us as human & spirit beings. They really are a testiment to the heart & soul of who we truly are. I wanted to photograph the bumper of my car – something that was supposed to reflect who & what I truly stood for – how could I then, act any differently?
I actually chose to find the humour & enjoyment in my interaction with him – he had to spend some time going over ever inch of the vehicle recording any damage before towing it (sorta makes a hasty get-a-way difficult – eh?). He took the license plates off the car for me – as they belong to me (personalized – 4PEACE2). We chit chatted – real good honest conversation for quite some time. Probably one of very few people who has their car taken back by the bank & talks for an hour with the guy who comes to take it away.
He gave me his email address because he wanted to read my blog about my bankruptcy & car ordeal & I videotaped him as he towed the car down the drive & away. The End of An ERA…
One Car & all associated fear RELEASED…