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Hudson Valley Federal Credit Union

Was your vehicle repossessed by Hudson Valley Federal Credit Union within the past 6 years?

Whether you were behind on payments for your auto loan or not, Hudson Valley Federal Credit Union (HVFCU) may have violated your consumer rights when repossessing your vehicle.

While taking out an auto loan is fairly common to purchase a car, truck, motorcycle, boat or RV, most consumers don’t realize the complexity of a car repossession, and in turn, don’t fully understand all their rights when it’s happening to them.

While there are certain circumstances in which lenders have the legal right to repossess a vehicle that served as collateral for a loan, the credit union or repo agent must be sure not to violate any terms of an agreement or act in a way that causes a “disruption of peace”.

The repossession of a car, truck, motorcycle, boat or RV can occurs when the borrower defaults on the loan agreement. Often, the borrower fails to make payments on time, or in full. The lender has the right to repossess the vehicle when the borrower does not maintain his agreement to pay.

Hudson Valley Federal Credit Union, and many other auto loan providers, may hire a third party agent to handle the repossession. However, that representative cannot enter your property or take the vehicle without your permission. The repo agent must adhere to your objections and obey when asked to leave your property.

If your car, truck, motorcycle, or boat was repossessed by HVFCU in New York or Pennsylvania within the past 6 years, Flitter Milz will evaluate your vehicle and repossession documents for potential violation of the consumer protection laws.

Contact us today for a FREE legal review.

If we find that your rights have been violated during the repossession of your car, truck, motorcycle, RV or boat, there is no cost to you to pursue a lawsuit in the court against Hudson Valley.

Tell us about the details of your repossession.

  • Do you have a copy of your loan agreement?
  • What documents were sent by Hudson Valley after your vehicle was repossessed?
  • In which state do you live?
  • Where did you purchase your vehicle?

Flitter Milz is a consumer protection law firm with lawyers practicing in New York, Pennsylvania, and New Jersey, representing victims of illegal vehicle repossession by HVFCU or another auto lender in these states and elsewhere.

Contact us Toll Free: 888-668-1225, or by email:

Hudson Valley Federal Credit Union

P.O. Box 1071

Poughkeepsie, NY  12602


Hudson Valley Federal Credit Union is a community-based financial cooperative based in Poughkeepsie, NY that provides financial products to its customers, such as auto loans for cars, trucks, SUVs, motorcycles, and boats. With 22 branch locations throughout New York's Dutchess, Orange, Putnam, and Ulster counties, HVFCU also has an extensive auto dealer network which reaches customers in the Hudson Valley, as well as in Northeastern Pennsylvania and New Jersey.

HVFCU Branch Locations

Dutchess County: Arlington, Beacon, Fishkill, Hopewell Junction, Hyde Park, LaGrange, Pleasant Valley, Poughkeepsie, Rhinebeck, Wappingers Falls

Orange County: Goshen, Middletown, Montgomery, New Hampton, New Windsor, Newburgh, Port Jervis, Warwick

Putnam County: Brewster, Carmel

Ulster County: Highland, Kingston

HVFCU dealer network reaches Pennsylvania and New Jersey customers


Wayne County: Beach Lake, Honesdale, Jefferson Township, Lake Ariel, Lake Como

Pike County: Bushkill, Dingmans Ferry, Matamoras, Milford

Lackawanna: Scranton, Enyon, Childs, Greenfield Township, Simpson

New Jersey

Sussex:  Sussex, Wantage, Branchville, Montague, Hamburg


Learn More about Repossession

Do I have rights after repossession? Do I have rights against the repo agent? How do I get my car back? Wrongful Repossession: Was the repossession handled improperly? What does collateral mean? What is a Notice of Intent to Sell Property? What is a Deficiency Notice?

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