Vehicle Repossessions 101

Car Repossessed?

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Beneficial Savings Bank

Was your vehicle repossessed by Beneficial Savings Bank in the past 6 years? 

Laws protect people that had a car, truck, motorcycle, boat or RV repossessed by the bank. Whether you fell behind on loan payments or not, the law protects the borrower from illegal repossession tactics.  The bank must follow the law, from repossessing a vehicle, to sending written communications after the repossession, through the auction or private sale.  If not, the bank may be liable and have to pay you, plus give up any balance due on the loan.  

Learn more about the laws governing repossession of cars, trucks, motorcycles, boats and RVs.

Improper Repossession:

If the borrower does not abide by the terms of the loan agreement, Beneficial has the right to repossess the vehicle. But the bank has to follow all the rules -- and often they don't.

After the repossession, Beneficial has to provide written notice to the borrower. This notice may be called a Notice of Intent to Sell Property, or Notice of Repossession. If the borrower does not pay to get the car back, Beneficial could sell the vehicle at a private sale or auction.  Once the vehicle is sold, Beneficial is required to send a second written notice to the consumer stating the selling price of the vehicle and any balance claimed.  This notice is called a Deficiency Notice.  

Flitter Milz will evaluate the repossession of your car, truck, motorcycle, boat or RV.  In addition, we will review your loan agreement, and all documents or correspondence sent by the bank.  As a victim of vehicle repossession, you have rights.  Contact Us for a no cost legal evaluation.

Wrongful Repossession

The bank must act in a "commercially reasonable" way in repossessing your vehicle.  This means, no confrontation, violence, physical altercation or damage to the borrower's personal property.  If a vehicle has been wrongfully repossessed, the borrower may have the right to sue the lender and repo agent, even if payments were missed or there was a default to the terms of the loan.

Police Involvement:  Keeping the Peace v. Breaching the Peace

The repo agent is to inform the local police department of its intention to seize a vehicle. During the repossession, the repo agent or the borrower may call to have the police come to the scene. Sometimes, the repo man will tell the police there is a weapon involved when there is not.

The police are to aid in keeping the peace. The police are not to enable the repossession.  They are not to order the borrower to turn over the keys, or to "step aside" and permit the repossession.

If the police threaten arrest or command that the vehicle be turned over, they may have crossed the line from keeping the peace into breaching the peace.  This could violate the borrower's constitutional rights.

Contact us today for a FREE legal review.

If we find that the repossession laws have been violated, there is no cost to you to pursue a lawsuit against Beneficial Savings Bank.

  • Tell us about the details of your repossessed car, truck, motorcycle, boat or RV.
  • Do you have a copy of your signed loan agreement?
  • What documents were sent by Beneficial Savings Bank after your vehicle was repossessed?
  • Where do you live?

Flitter Milz is a consumer protection law firm representing victims of illegal car, truck, motorcycle, boat, and RV repossession in Pennsylvania, New Jersey, New York, and elsewhere.

If your vehicle has been repossessed by Beneficial Savings Bank or another lender, gather your loan and repossession documents and contact us for a free legal review. 

Toll Free:  888-668-1225  Email:

Learn More about Debt Collection

My car was repossessed. What should I do?
How do I get my car back?
Do I have rights against the repo agent?
Wrongful Repossession: Was the repossession handled improperly?
Do I have rights after repossession?

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