Get Your Vehicle Back After a Car Repossession Scam
New cars are expensive. A car loan is often second in size only to someone's mortgage. Unfortunately, many buyers have difficulty keeping up with the payments. When buyers fail to make payments, after a time, banks will initiate collection actions.
This is usually in the form of the repossession of the vehicle. But not all repossessions are legal. Some are scams.
There are laws that protect consumers from unfair practices by companies engaged in conducting repossessions.
There are also scams that put vehicle owners in jeopardy of losing their vehicle to repossession even if they thought they had been making their payments.
One scam that is out there is one that solicits auto loan modification to lower your interest rate or extend your loan. They might even advertise that they will prevent a repossession. Unsuspecting victims begin paying the modification company instead of their original loan. They then have their vehicle repossessed by the original loan owner.
When it comes to having your vehicle repossessed, there are laws that protect owners from schemes as well as improper repossessions by lie holders and others. DoNotPay is here to sort all this out for you.
What Is a Breach of Peace?
When a vehicle is repossessed, there are rules about the conduct of the towing company that comes to get the vehicle. They are not allowed to break any laws while repossessing a vehicle. If they do, it's referred to as a breach of peace.
They are not allowed to:
- Use force to take the vehicle away from you
- Take the vehicle by threat
- Remove the vehicle from a locked area
- Take the vehicle while someone is inside
You can take action against towing companies who commit a breach of peace.
What Is Wrongful Repossession?
There are times when vehicles are repossessed unlawfully. Creditors have specific rules to follow. They cannot just repossess your vehicle because you are behind in payments or for some other reason that is not clearly defined.
There are state consumer laws requiring certain procedures, including the circumstances allowing a repossession, as well as how a repossession can be done.
Vehicle owners must have notice of their rights regarding their loan and that repossession is possible or imminent. A wrongful repossession can occur when:
- The creditor did not have the legal right to repossess your vehicle
- They did not give proper notice
- They repossessed the wrong vehicle
- You had paid upon the loan prior to the repossession
- A breach of peace occurred during the repossession
There may be other considerations of a wrongful repossession that DoNotPay can quickly help you to identify.
You Can Get Your Car Back After Repossession
Just because your vehicle has been repossessed does not mean you can't:
- Get your vehicle back
- Be compensated for wrongful repossession
You can get the vehicle back under some circumstances. You can:
- Catch up on payments or refinance before the auction
- Purchase the vehicle at an auction
- Successfully sue to get the vehicle back
Resolve a Repossession Scam With the Help of DoNotPay
Having a vehicle repossessed is hard enough. It's worse if you are a victim of a scam or if your vehicle is being wrongfully repossessed. DoNotPay can go through the steps with you to track down the status of your vehicle repossession. There are three easy steps to get the process in motion.
- 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 DoNotPay walk you through your state's repossession laws to see if your car was or is being wrongfully repossessed.
- If DoNotPay can make a case for wrongful repossession, it will file a demand letter on your behalf to the lender to fight against.
It's that easy to get the ball rolling. These steps will lead to the steps needed to solve the repossession. If the problem requires more intervention, DoNotPay will help get you through the easy steps to file a lawsuit against the offending parties.
Why Use DoNotPay To Solve a Car Repossession Scam
There are a lot of things to do immediately if your vehicle is repossessed. It's a special kind of emergency if your car was improperly or unlawfully repossessed. DoNotPay is the most efficient way to deal with this important problem. DoNotPay is:
- Fast - You don't have to spend hours negotiating with lienholders or tow yards
- Easy - You don't have to struggle to fill out tedious forms or keep track of all the steps involved in solving your problem.
- Successful - You can rest assured knowing we'll make the best case for you. If your vehicle was wrongfully towed, or if you were a victim of a scam, DoNotPay will solve it.
What Else Can DoNotPay Do?
There are many things that DoNotPay does to help consumers with everyday issues.
Here is just a sampling:
- Learn about what a virtual credit card is and how it works
- File a complaint against any company
- Find unclaimed money you didn't know you had coming
- Free raffle tickets and sweepstakes entries
- Get through to customer service at any company
Try these, or go to DoNotPay and search on your own. You’ll be amazed at how much time and money you save with DoNotPay.