{"id":3385,"date":"2025-08-05T17:52:39","date_gmt":"2025-08-05T21:52:39","guid":{"rendered":"https:\/\/www.consumerslaw.com\/blog\/?p=3385"},"modified":"2025-08-05T17:52:39","modified_gmt":"2025-08-05T21:52:39","slug":"borrowers-have-rights-after-vehicle-repossession","status":"publish","type":"post","link":"https:\/\/www.consumerslaw.com\/blog\/borrowers-have-rights-after-vehicle-repossession\/","title":{"rendered":"Borrowers have rights after vehicle repossession"},"content":{"rendered":"

\"\"CARS\u00a0 \u00a0 \u00a0 \u00a0TRUCKS\u00a0 \u00a0 \u00a0 \u00a0MOTORCYCLES\u00a0 \u00a0 \u00a0 \u00a0BOATS\u00a0 \u00a0 \u00a0 \u00a0RVs<\/h4>\n

Flitter Milz is the authority in representing victims of wrongful repossessions by banks, credit unions, financial institutions and their repossession agents.<\/p>\n

Borrowers understand that their vehicles can be repossessed if there’s been a default, such as missed or late payments, a lapse in auto insurance, or other cause. However, lenders must follow the law when a vehicle is repossessed.<\/p>\n

Whether you missed payments on your auto loan or not, your consumer rights may have been violated. Our firm will evaluate the repossession of your vehicle at no cost.<\/p>\n

After repossession, ask yourself these questions:<\/h4>\n

\"\"<\/strong>Did the repo agent act abusively or damage property?
\n<\/strong>Repo agents can’t threaten or use physical force to take your vehicle, or enter your fenced property without your permission.<\/p>\n

 <\/p>\n

 <\/p>\n

\"\"Did the police come and assist the repo agent with the repossession?
\n<\/strong>The police may be contacted by the repo agent or borrower during a vehicle repossession. Upon arrival at the scene, they are to keep the peace only, or to protect everyone from harm.<\/p>\n

 <\/p>\n

\"\"Did you receive proper notices from your lender after the repossession?
\n<\/strong>After repossession, the lender is required to send a Repossession Notice which states terms to get the vehicle back and timeframes for the borrower to act.<\/p>\n

 <\/p>\n

\"\"Was your vehicle repossessed within the past six years?<\/strong><\/p>\n

Each state has a different statute of limitations on car repossession debt.\u00a0 After the statute of limitations has passed on your debt, debtors and collectors can still contact you.\u00a0 However, they can no longer bring, or threaten to bring, legal action in an effort to collect the debt.<\/p>\n

 <\/p>\n

\"\"Collection of the deficient balance owed on your auto loan?
\n<\/strong>A Deficiency letter will be sent to the borrower after the vehicle is sold.\u00a0 This letter shows a calculation of any remaining balance owed to satisfy the loan. The lender may assign collection of this balance to a debt collector.<\/p>\n

 <\/p>\n

\"\"Did the lender file a lawsuit to collect the deficient balance?
\n<\/strong>The lender may choose to file a lawsuit to collect the deficient balance owed on an auto loan.<\/p>\n

 <\/p>\n

 <\/p>\n

\"\"<\/h3>\n

Credit Reporting Auto Loans
\n<\/strong>After a vehicle repossession, the borrower should obtain current copies of his or her credit reports from Transunion, Experian and Equifax to view accuracy of information related to the repossession. Incorrect information may have an impact on approval for new credit applications.<\/p>\n

<\/h3>\n

 <\/p>\n

Contact Experienced Consumer Lawyers<\/h3>\n

\"\"Flitter Milz attorneys know repossession law and can protect borrowers from illegal tactics used by banks, credit unions and financial institutions.\u00a0 We\u00a0 represent consumers in cases without filing bankruptcy<\/strong>.<\/p>\n

 <\/p>\n

Contact Us for a no cost legal evaluation<\/em> of your car, truck, motorcycle, boat or RV.
\nPhone<\/strong>:\u00a0 888-668-1225\u00a0 \u00a0 \u00a0 Email<\/strong>:\u00a0 consumers@consumerslaw.com<\/p>\n

<\/h4>\n

 <\/p>\n

 <\/p>\n

<\/h3>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

CARS\u00a0 \u00a0 \u00a0 \u00a0TRUCKS\u00a0 \u00a0 \u00a0 \u00a0MOTORCYCLES\u00a0 \u00a0 \u00a0 \u00a0BOATS\u00a0 \u00a0 \u00a0 \u00a0RVs Flitter Milz is the authority in representing victims of wrongful repossessions by banks, credit unions, financial institutions and their repossession agents. Borrowers understand that their vehicles can be repossessed if there’s been a default, such as missed or late payments, a lapse … <\/p>\n

Continue reading Borrowers have rights after vehicle repossession<\/span> →<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[2],"tags":[42,43,36,37],"_links":{"self":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/3385"}],"collection":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/comments?post=3385"}],"version-history":[{"count":13,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/3385\/revisions"}],"predecessor-version":[{"id":3474,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/3385\/revisions\/3474"}],"wp:attachment":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/media?parent=3385"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/categories?post=3385"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/tags?post=3385"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}