How to Get Your Vehicle Back After Illegal Car Repossession
For most people, a new vehicle also means a new monthly payment to the bank. When you sign your loan, you give the bank the right to reclaim the vehicle if you miss a payment, but you may find them on your doorstep even if you make all your payments on time due to a wrongful repossession. If you have adhered to the terms of your contract and would like to get your vehicle back after wrongful repossession by your lender, DoNotPay can help.
Your lender cannot take your car if you have made all your payments on time. If you are not sure you can make your next payment, contact your lender as soon as possible. A good payment history may make your lender more inclined to work out a modified payment schedule with you. If any agreement is reached, be sure to get it in writing for your protection.
If you are unable to reach an agreement with your lender that allows you to keep making payments, you may voluntarily return the car and pay less in processing fees. You may still be responsible for some of the payments that you missed and your late payments may impact your credit score.
Identifying Illegal Repossession
Repossession can take several forms. Your car may be physically taken away, or it may be electronically disabled until the lender is able to retrieve it. If you believe you are current on your loan, you can contact the following parties to report a problem after reviewing your contract:
- Your state attorney general
- A local consumer protection agency
What Should Not Happen During Repossession
Even if you have missed payments on your vehicle, you have rights as a borrower during repossession. The lender or repossession agent cannot breach the peace while repossessing your vehicle. The definition of a breach of peace varies by state but may include:
- Use or threats of physical force
- Trespassing on your property
- Damaging your personal property
Your personal property cannot be taken from you if it is in the vehicle when it is repossessed. Some states require the lender to notify you of how to get your possessions back.
Suing for Illegal Repossession
- Your original contract
- History of payments made
- Any modified payment plans or agreements between you and your lender
- Pictures or video of the repossession process to show your rights being violated
Options for Getting Your Vehicle Back After Valid Repossession
If it is found that your lender has a valid case for repossessing your vehicle, there are still two ways you may be able to get the car back:
|Redemption of the loan||Some states allow you to get your car back if you pay the loan off in full, including any fees incurred as part of its repossession.
This is not an option for most borrowers who chose to finance the car due to a lack of funds in the first place.
|Reinstatement of the loan||Your state may also allow you to continue making payments on the vehicle if you bring the loan current by making any late payments|
Reclaim Your Vehicle Quickly With DoNotPay
DoNotPay can help you file a demand letter for illegal repossession using your state's laws and help you reclaim your vehicle. If the repossession was valid, you will have to pay off any balances you owe in order 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.
- 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.
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