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Legal Review

Do I Have Rights Against the Repo Agent?

Once a borrower defaults on terms stated in his or her auto loan agreement, the lender - the bank, finance company or credit union, may take steps to repossess  the vehicle. The lender will hire a repossession company, or towing company, to seize the vehicle. This company is an agent of the lender.  They are obligated to contact the local police to inform them of their intent to take the car, truck, motorcycle, boat or RV.  

The repossession agent is not permitted to:

  • Break into a fenced or locked area, or enter your home or garage without permission.
  • Damage the vehicle in hooking or hauling it.
  • Damage personal property.
  • Threaten or touch you.
  • Refuse to leave your property.
  • Repossess based on faulty information, such as, suggesting default when you are not in default.

Victims of Wrongful Repossession should:

  • Gather statements from witnesses, including name, address and phone number
  • Take photographs of the vehicle - including the odometer for mileage at the time of repossession
  • Take photographs of damaged property
  • Video tape, if possible, the interaction between the borrower and the repo man.
  • File a police report.

Legal representation for Victims of Wrongful Repossessions

Flitter Milz represents victims of wrongful repossession, whether the borrower had fallen behind on payments or not.  We will review the car loan and repossession documents for compliance with the laws governing unlawful repossessions.  If the lender has violated a consumer's rights, we will discuss pursuit of a lawsuit against the lender and the repossession agent. Contact Us for a no cost legal review.