3 Steps to Take If You're Facing a Car Repossession

Car Repossession Issues 3 Steps to Take If You're Facing a Car Repossession

3 Steps to Take If You're Facing a Car Repossession

If you’re facing car repossession, you’re in the right place. While a repo man may make it seem like a simple matter, there are highly contextual factors to the process of car repossession that need to be taken into account to confirm the legality of the process. 

The following are the most important things to understand to verify the legitimacy of car repossession and how to approach the situation if you believe it has been wrongfully conducted. In addition, you will learn how DoNotPay can be one of the best resources in your pocket to take care of the matters that follow wrongful repossession and possibly reclaim your vehicle entirely.

What Is Wrongful Repossession of a Vehicle?

Even if your vehicle was considered legally collectible by the repo man, certain standards held to the proper protocol must be followed while seizing the vehicle in question. If any unnecessary collateral damage is caused to your vehicle in the process of collecting it, you may have grounds to contest the legitimacy of the repossession entirely. Other examples of wrongful repossession may include:

  1. Any unnecessary destruction of the property done to access the vehicle in question.
  2. Destruction of property to access the vehicle.
  3. The unwarranted use of force or physical intimidation.

A vehicle is wrongfully repossessed when the repo agent or lender doesn’t follow the law:

Informing the local policeRepossession agents must inform the local police that they will be repossessing your car. If you find your car missing, contact your local police or the lender to confirm whether it was repossessed or stolen.
Providing you with the required noticesThe lender needs to provide you the required written notices, namely, the:

  • Notice of Default and Right of Redemption/Right of Reinstatement
  • Notice of Sale
Repossession agents may not breach the peaceRepo agents can’t threaten to use or use physical force. They also can’t access a fenced or locked area on your property to repossess the car unless permission is given. They are also required to leave your property if asked.
No damage to propertyRepo agents are not allowed to damage your property. If any damage occurs, be sure to have proof of the damage by taking photographs or getting statements from any  witnesses.

Can I Sue for Wrongful Repossession?

There are many unpleasant consequences from getting your vehicle repossessed, such as a negative impact on your credit, the financial cost, and having difficulty purchasing another car after the repossession. Your ability to sue for repossession can come down to the conduct of the repo man during the actual time of the vehicle being repossessed. If anything that involves decidedly or even arguably criminal acts such as harassment, assault, and battery, unlawful destruction of property, or breaking and entering, then you may have grounds to be considered the victim of a breach of peace.  Much like any other criminal case, it'll come down to how well you can do the following things:

  1. Accurately document the events that occurred in the matter in a subsequent report of the events.
  2. Confirm and emphasize the specific violation that occurred.
  3. Submit your report promptly.

Next Steps to Handling Car Repossession If You Can't Do It Yourself?

If you cannot handle car possession with your DIY methods, use DoNotPay. It can be difficult to make sure that you get any case of wrongful possession the attention it needs if the circumstances surrounding it are blurry. Thankfully, a professionally measured and precise presentation can be a deciding factor that puts things in your favor.

How to Handle Car Repossession With the Help of DoNotPay

DoNotPay can help you file a demand letter for wrongful possession using your state laws and help you reclaim your vehicle. If the repo was valid, you will have to pay off any balance you owe to reclaim your vehicle. If you can't afford the payments, DoNotPay can help you ask for a payment plan or negotiate the balance you owe.

  1. Search "car repossession" on DoNotPay and select whether your car has been repossessed or is in danger of being repossessed.

     

  2. 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.

     

  3. 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 to Help Handle a Case of Wrongful Car Repossession

If you're interested in going about car repossession counteraction the right way, then there are strongly compelling reasons to invest in DoNotPay's service to help with the matter specifically.

  • DoNotPay is an incredibly time-efficient service that gives you the results you need without having to invest countless lost hours flying blind.
  • DoNotPay helps you take care of the matter without any potential headaches or difficulties you may encounter in trying to get it done through trial and error. By automating the process with razor-sharp efficiency, DoNotPay takes what otherwise would be complex and makes it a satisfyingly easy process without compromising precision.
  • DoNotPay not only saves you a massive amount of time and energy but also makes it as likely as possible that you will be able to achieve the most satisfying results. If you value getting things done both the fast and the right way, then DoNotPay is easily one of the best resources to have in your corner to face car repossession correctly.

What Else Can DoNotPay Do?

DoNotPay doesn’t just help you with matters regarding car repossession, but can also help with:

If you are ready to move forward with one of the best resources for responding to wrongful car repossession, then you can register for your DoNotPay account here.

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