Devolución de vehículos con interés de garantía y registro suspendido

Explicación Simple

Si no pagas tu préstamo de auto por más de 90 días, el prestamista puede pedirte que devuelvas el auto. Te enviarán una carta avisándote, y si no lo haces en 30 días, tu registro y placas se suspenden.

Es como si te prestaran un juego de video y te dijeran que lo devuelvas después de un mes. Si no lo haces y no avisas, el dueño podría dejar de confiar en ti y no prestarte más juegos.

Ejemplo Práctico

Imagina que Juan compró un auto a crédito, pero se le olvidó pagar durante tres meses. El banco le envió una carta avisándole que estaba en mora y que debía devolver el auto en 30 días. Como Juan no hizo nada, al final, su registro se suspendió y ya no pudo manejar legalmente.

Penalidades

Si no devuelves el vehículo, tu registro y placas se suspenderán, y podrías enfrentar multas.

Texto Original del Estatuto (Inglés)

28-2138. Return of a motor vehicle that is subject to a security interest; suspended registration and license plate A. A person must return a motor vehicle that is subject to a security interest if all of the following apply: 1. The person fails to make a payment on the lien for more than ninety days. 2. The secured creditor notifies the owner in writing, by certified mail return receipt requested, that the owner is ninety days late in making a payment and is in default. The notice shall include the following: (a) A statement stating: You are now in default on loan agreement #____________. If you fail to return the _____________________ (year of vehicle, make, model) within thirty days, the motor vehicle's registration and assigned license plate will be suspended. (b) The business address and hours of operation for return of the motor vehicle. (c) The maximum penalties for failing to return a motor vehicle that is subject to a security interest. 3. The owner fails to cure the default within thirty days. 4. With the intent to hinder or prevent the enforcement of the secured creditor's security interest, the owner knowingly fails to do either of the following: (a) Return the motor vehicle to the secured creditor. (b) Allow the secured creditor to take possession of the motor vehicle. B. The original contract creating the security interest in the motor vehicle shall contain the following information: 1. A statement that the person must return a motor vehicle that is subject to a security interest within thirty days after receiving notice of default. 2. A statement that notice of default will be mailed to the address on the loan agreement and that it is the responsibility of the owner to keep the listed address current. 3. The maximum penalty for failing to return a motor v