Vehicle repossessions are very upsetting. In an instant, your life can come to a hault. You can't get to work, get your kids to school, or keep your appointments. Once you've discovered that your vehicle is missing, there are steps to take.
1) Determine whether your vehicle was repossessed or stolen.
2) You should gather all paperwork related to the vehicle, from purchase and loan documents to payment records and correspondence from the lender.
3) Be cautious of any documents you are told to sign. For example, do not sign any waiver or release agreement to get your vehicle back. Signing a waiver could negate any legal claim for wrongful actions by the lender. The law does not require you to sign documents to retrieve your vehicle, even if the repo agent or storage yard asks for one.
4) Get Help from a qualified Consumer Protection Law Firm