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Since 1986, when Texas Automobile Repossession was first published, Texas car dealers have been relying on the books and publications by Michael W. Dunagan to keep their businesses in compliance with the myriad state and federal laws and regulations that affect the industry.
In the intervening years, thousands of copies his books have been purchased by dealers, finance companies, attorneys and even law enforcement agencies. Through Brittania Press, his publishing company, Mr. Dunagan has continued to supply dealers with the most up-to-date information available on legal compliance issues.
The expanded 2004 Edition includes the new repossession forms necessary for compliance with the 2001 amendments. Compliance with the new procedures and notice forms is vitally important in avoiding liability in individual and class-action suits and surviving OCCC and MVD audits.
For over 18 years the Repossession Guide has been used by dealers, finance companies, banks, police departments and repossession agents as the definitive word on repossession. Topics include:
- When is it legal, and when is it not.
- Avoiding the paper-profit problem.
- When to give notice before repossession, and when it's not necessary.
- Model forms help you meet notice requirements.
- How to use strict foreclosure to simplify repossession procedures.
- How bankruptcy affects repossessions.
- A helpful repossession checklist.
- Includes text of U.C.C. sections that affect repossession.
Written in plain, easy-to-understand language, the Repossession Guide is packed with over 100 pages of forms, explanations and common-sense advice.
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A hands-on, how-to guide for dealers and finance companies that explains in understandable language the basics of compliance with state and federal laws and regulations. Topics include:
- How to defer sales tax.
- Licensing requirements for buy-here-pay-here dealers and finance companies.
- Determining maximum finance charge rates.
- The latest on late payment penalties and doc fees.
- The "hidden finance charge" problem.
- The difference between "add on" and "A.P.R."
- Handling deferred down payments.
- Amendments and modifications.
- The entire text of Chapters 348 and 349 of the Texas Finance Code.
First published in 1993, this informative guide is now in its seventh edition. Written in plain, easy-to-understand language, Dealer Financing is the only source of factual, straight-forward information for buy-here-pay-here dealers. Dealer Financing was recently updated to cover the new Texas Dealer Finance License.
A hands-on guide for dealers and finance companies that explains in understandable language the basics of compliance with state and federal laws and regulations. Such topics include:
- How to comply with the new sales tax law.
- Determining maximum finance charge rates.
- The latest on late payment penalties and doc fees.
- The difference between "add on" and "A.P.R."
- Handling deferred down payments.
- The entire text of Chapters 7 and 8 of the Texas Credit Code.
- Financing repair costs.
- Selecting proper contract forms.
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After almost 30 years of advising and representing dealers, the author found that some questions and issues keeping cropping up over and over again. The most common questions have become topics for newsletter articles and seminars. This booklet is a collection of discussions of these most common questions that have appeared in the TIADA newsletter over the years. Some editing was required to update and index the topics to make this booklet more useful.
Some of the included discussion topics:
- Agencies that regulate car sales
- Blue Law (Sunday sales)
- Car Titles
- Consignments
- Co-signers
- Cooling-Off Period
- Credit Applications
- Dealer bonds
- Hindering Secured Creditors
- Interest rates
- Mandatory Liability Insurance
- Mechanic's Liens
- Sales to Minors
- Third-party Liability Insurance
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