Ford Credit Charge off?

[incdryat]

I am 3 months behind. Just got a credit alert from experian reporting ford credit charged off my lease. I’m sure I’ll have the 925.00 after Christmas can I still pay them and have my account reinstated? Or is it to late? What happens now. I still have the vehicle. Please advise.

[Anonymous]

Don't know the exact answer to your question but I had my car repossessed and was able to buy it back before it sold. You still have yours for now...so I'd say you have a decent chance to keep it if you call them now and make arrangements. I wouldn't screw around though - they can come get it at any moment. 

[incdryat]

Well it says 19k is due on experian and notes say charge off. I’m not even at 90 days past due yet. Dec 28 would be 90 days. I’m in the state of Indiana. Can this be reversed or it’s a done deal I owe them 925.00 in payments a little more with fees

[Anonymous]

I don’t know about Indiana but in Virginia they can come repossess your vehicle at 1 day late. I suggest you call them ASAP. Best wishes!