We hope the articles below help you understand your rights as a consumer. You can scroll through the titles, or sort by Practice Area or Topic. You can also use the search feature to locate information by keyword.
Flitter Milz represents people with a variety of problems involving consumer credit and collections. If you have a particular question or believe your consumer rights have been violated, Contact Us for a no cost consultation.
Perhaps the worst thing about having your car repossessed is that even after your vehicle is gone, your lender may not be done with you.
In some cases, lenders may file lawsuits against borrowers to recoup what they’re owed. In this blog post, we’ll look at what’s involved with being sued after a car repossession.
Continue reading Car Repossessed? Now Getting Sued by My Auto Lender →
When banks record an increase in credit losses and delinquencies, often there is an uptick in repossessions. These indicators not only reflect repossessions of cars and trucks, but also pleasure vehicles, such as RVs, boats and motorcycles.
Fortunately for consumers, the laws that protect victims of car and truck repossessions, also apply to motorcycles, RVs and boats.
If you’ve fallen behind on your loan payments and are worried that your motorcycle, or other vehicle, is in danger of repossession, here’s what you need to know.
Continue reading What Are the Laws Governing Motorcycle Repossession? →
As we’ve written before, consumers dealing with car repossession still have certain rights, regardless of how behind they might be on their payments.
For example, you have the right to be kept safe from an aggressive or abusive repo agent. They can’t break into your garage, damage your property or vehicle, or threaten you with physical harm.
Continue reading What notices must my lender provide after repossession? →
Your car is hooked up to the tow truck. You’d been struggling for months to make payments, and now the thing you feared most has come true: repossession.
And you think to yourself: What do I do now? Where is my car? Is there some sort of car repossession look-up service that can track it down?
Continue reading 5 Things to Do After Your Car Has Been Repossessed →
One of the worst things about car repossession is that it seems so final.
You’d fallen behind on your payments, and now that the repossession has happened, it seems like you’ll never see your car again.
But in the back of your mind, you wonder: “If my car is repossessed, can I get it back?”
You can. But it’s also important to make sure your rights are protected even if you can’t. Here are three things you can do if you’re dealing with a repossession. Continue reading My Car Was Repossessed. Can I Get It Back? →
Car repossession can feel like the end of the world. Instantly, your daily life comes to a halt. You realize that you won’t be able to get to work, take your kids to school, or make it to your appointments.
Continue reading What Happens When Your Car is Repossessed in PA? →
“A Record 7 Million Behind on Car Loans”, The Philadelphia Inquirer, 2/13/19
The Federal Reserve Bank of New York reported that, “A record seven million Americans are 90 days or more behind on their auto loan payments. Despite a strong economy, economists are warning that Americans are struggling. Although a car loan is the first payment people make because a vehicle is critical to getting to work, when car loan delinquencies rise, it is a sign that many American are under duress.”
BEFORE a Repossession: Continue reading Repossessions: Know What to Expect – Before, During and After →
When you default on a car loan, your lender can repossess your vehicle. Most defaults come from someone failing to make their monthly payments. If you’re up to date on your payments and your car was repossessed, then clearly, a wrongful car repossession has occurred.
But even if you have missed payments, lenders and repo agents need to follow the law. If your vehicle has been unlawfully repossessed, you may be able to sue your lender and the repo agent.
Here’s what lenders and repossession companies need to do to stay within the bounds of the law: Continue reading What Can I Do If My Car Was Repossessed by Mistake? →
You don’t park your car in front of your house anymore.
It’s been a few months since you were able to make a payment and you’re worried about repo men showing up in the middle of the night.
What you didn’t anticipate is the repossession firm showing up where you work. Suddenly, you have no car, no way to get back home, no way to get anywhere.
This can be a devastating situation, but it’s not a hopeless one. Even though your car has been repossessed, it doesn’t mean you can’t get it back.
Continue reading How Do You Get Your Car Back After Repossession? →
When you apply for an auto loan, lenders will perform a credit check on you. Your credit affects whether or not you’ll be approved for the loan, and the interest rate for the loan. The interest rate and terms of the loan have a major impact on how much you will end up paying overall, so it’s important that you know where your credit stands BEFORE you apply for an auto loan. When you apply, lenders will look at the following components of your credit file.
Continue reading What do Auto Lenders check on your Credit Report? →
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