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Typically, a creditor may: Issue a Discretionary Notice at least 10 days prior to repossessing the vehicle to all signers on the loan by personal delivery or by certified or registered mail. You are not required to pay any repossession expenses if the creditor failed to issue you a Discretionary Notice.

Repossession stays on your credit report for seven years, but you can still strengthen your credit even with the repossession on your credit score. You can achieve this by paying off outstanding debts on your car loan, paying off credit card bills, and avoiding adding credit card debt.

Within 60 days after repossession, your lender must send you a notice telling you what they intend to do with your car. This notice must also explain your options for getting the vehicle back. You have two options under California law: redemption or reinstatement.

The "right of reinstatement" is somewhat unique to California. "Reinstating the contract" means curing the default that led to the repossession (usually catching up on your missed payments) and paying any repossession related fees. You get your car back and resume monthly payments like normal.

An advance health care directive lets your physician, family, and friends know your health care preferences, including the types of special treatment you want or don't want at the end of life, your desire for diagnostic testing, surgical procedures, cardiopulmonary resuscitation and organ donation.

An advance directive is considerably broader than a DNR order. In an advance directive, you state what you want to happen to you if you become incapacitated and are unable to make an informed decision about your health care. You may specify that: You don't want life-sustaining treatment, but you do want food or water.