Car Repo Tricks You Can Use to Get Your Car Back
2.2 million vehicle owners face repossession every year, with approximately 5,418 repossessions per day.
Depending on your location, the repo man or car loan lender may repossess the vehicle without a court order or warning. Your auto loan lender holds the right of car repossession if you miss your loan payments.
If you experience car repossession (repo), you can get the vehicle back. However, this process may be lengthy and time-consuming. Using the DoNotPay app, an AI-powered legal assistant may be the best option.
How Do You Get a Car Back After Repossession?
A repossession company, a bank, or other institution will only allow you to get back the vehicle if you pay the loan in full plus the repossession costs before they auction it.
Another option is loan reinstatement, where you liaise with the bank for a new and different payment plan than before.
The repo may hurt your credit score and remain on the credit report for up to seven years.
However, your credit report will reflect the new payments you make if you sign a deal with the lender, but not if you repurchase the car at the auction.
What is Wrongful Repossession?
The repossessions happen within 90 days of your loan default. Repossessions are well within the law, but consumer protection laws protect you from a wrongful repossession. Wrongful repossession examples include:
- Repossession with no notice if your contract or state you live in requires you to receive a pre-notice.
- Use of physical force by the repossessed (breach of peace)
- Not providing a waiting period before repossession
- Vehicle repo for previous owner's loan statements
- Not giving you notice after repossession on how to reclaim it
- Failure to return private property inside the car
- Selling the car for an irrational price and asking for a high deficiency
What Can I Do If The Repo Man Illegally Repossessed My Car?
Illegal repossession is when your auto loan lender does not follow the correct procedure for repossessing your vehicle. You need to know your rights to help in determining an illegal repo.
The auto lender and repo agent must follow due process. Whether you miss payments, a borrower also has rights during repossession. You can take some action after action.
- Countercheck with your auto-lender how much you owe. Ensure you have all the receipts of any payments made.
- If the lender auctions your vehicle, ask the lender how much you owe
- Talk to a lawyer to follow up on the case.
- Follow the case up yourself.
However, following up with your repo case will take up a lot of time, effort, and back and forth communication.
Who Can Help Solve Car Repossession Issues
Some organizations can assist with getting you back on the road. Check local churches and nonprofits that may offer assistance to community members. Other organizations may be able to assist you:
|United Way||United Way’s 2-1-1 program provides various support services. If you’re struggling to afford a vehicle, they may be able to help.|
|Cars 4 Heroes Inc.||This nonprofit’s mission is to provide free, reliable transportation options to veterans, first responders, and their families.|
|Goodwill||Some people donate used cars to their local Goodwill that then get sold to people in need. Speak to your local Goodwill for further information.|
Solve Car Repossession Issues With DoNotPay
DoNotPay can make your life and car repossession process smoother. The easiest way to navigate this issue is by engaging lawyers, an expensive venture.
If it was a legal and valid repossession, you have to pay any balance owed to the auto lender before you can get back your car.
It may be quite an uphill task as you may not have the money. If you cannot afford to make these payments, you can use DoNotPay to negotiate the owed balance or request a payment plan.
Here’s how to use DoNotPay to solve issues with car repossessions.
- Search "car repossession" on DoNotPay and select whether your car has been repossessed or is in danger of being repossessed.
- Enter the state you financed this vehicle in, and let us walk you through your state's repossession laws to see if your car was or is being wrongfully repossessed.
- If we can make a case for wrongful repossession, DoNotPay will file a demand letter on your behalf to the lender to fight against.
And that's it! DoNotPay will make sure your issue gets sent to the right place. We'll upload confirmation documents to your task for you to view, and if the contacts need more information, they will reach out to you personally via email or mail.
Why Use DoNotPay for Car Repossession Issues
DoNotPay has several benefits:
- Fast: You do not need to wait too long to solve your repo issue.
- Easy: You do not need to spend a lot of time figuring out what to do or filling out forms and paperwork. DoNotPay does it all for you.
- Successful: DoNotPay will always make the best case for your car repossession issue.
DoNotPay Works Across Different Issues
DoNotPay works across various issues with different companies or entities at the click of your mouse.
You do not need to break your back trying to contact companies or get through red tape bureaucracy in government institutions. All you need to do is give us the details of the issue, and we problem do the rest.
Here are some other matters DoNotPay can help you out with:
- Appeal Banned Account
- Connect With Inmates
- Tourist Visas
- Do a Sex Offender Search
- Notarize a Document
- Government Tests
- Find Unclaimed Money
- Divorce Settlement Agreement
- Get Help With Bills