The car was reposessed yesterday

Thursday, while I was at work I got a call from a local number that did not look familiar so I let it go to voice mail. I knew right away what it was gonna be. I just had that “gut” instinct. So I listen to the message they left and it was a young guy just leaving a casual “call me back when you get a chance” message. He knew my name but did not identify himself as a debt collector. I tried to look the number up online but could not find anything. I called my husband and asked him if he got a call from that number and he did too. So, we both agreed-let’s just get it over with. I called the guy back and indeed it was the “repo man”. He was friendly and told me they did the recovery work for Honda and I can put the 2 and 2 together. I guess Honda preferred to pay them rather than let me surrender the car to them for free. That way they can get me for towing, storage an any other fees related to recovering the car. We made arrangements for him to come to our apartment and pick the car up so we could keep our tag, etc.

Well, he came out yesterday with the tow truck and gave us a “Voluntary Surrender Form” and took the car. I was at work. My poor husband had to do the dirty work and deal with this. I was kind of sad. Not so much for the car itself… just losing it. It is one more thing I have lost through all of this. Hubby called and canceled the insurance for that car and we will now save $40 a month on that. We officially have one car to worry about. It’s over and I can stop worrying about the “repo man” now.

If anyone is going through this, I thought it would be worse and frankly, a little more embarrassing but it wasn’t. The letter they gave me basically says I am voluntarily surrendering the car and that it will be sold and I will be responsible for the difference. I will be bringing the form into the attorney and including this in BK anyway.