{
    "objects": [
        {
            "Title": "Do I Have Rights After a Vehicle Repossession?",
            "Slug": "do-i-have-rights-after-repossession",
            "Content": "<h4><strong>Your Consumer Rights after Repossession<\/strong><\/h4><p>When the lender or repossession agent overlooks the terms of the signed loan agreement, during or after the repossession, the borrower may be able to take legal action against the lender or car repossessor.&nbsp;&nbsp;<\/p><p><strong>Whether you fell&nbsp;behind on payments or not<\/strong>, the lender must follow a number of rules before and after a car is repossessed.&nbsp;<\/p><p>If your car, truck, motorcycle, boat or RV was repossessed within the past 6 years, Flitter Milz will evaluate whether the repossession of your vehicle was handled properly.&nbsp; Gather the following documents and send them to us for a legal review.<\/p><ul><li><strong>Loan Agreement<\/strong><\/li>\n<\/ul><p>Your loan agreement, or Retail Installment Sales Contract (RISC), is the document signed at the time of purchase.&nbsp; This document is prepared in three parts:&nbsp; the white copy is for the lender; the yellow copy is for the dealership; and the pink copy is for the borrower.&nbsp; The document is usually over-sized.&nbsp;<\/p><p>On the front, the financial aspects of the purchase are detailed, such a the cash price of the car, downpayment, licensing and registration.&nbsp; As well, details related to the financing are listed, such as the percentage rate, finance charge, total number of payments, monthly payment amount and total cost of credit.&nbsp; Your signature is required on the front of the loan agreement.<\/p><p>The reverse side of the agreement will state additional terms of the loan agreement such as,&nbsp; how payments are computed,&nbsp; the agreement to make payments as scheduled, maintain insurance on the vehicle, and the options for the lender if the borrower defaults on these terms.<\/p><ul><li><strong>Notice of Intent to Sell Property<\/strong><\/li>\n<\/ul><p>Once a vehicle has been repossessed, the lender is to send the borrower a Notice of Repossession, or Notice of Intent to Sell Property.&nbsp; This letter details terms for the borrower to retrieve the vehicle.<\/p><ul><li><strong>Deficiency Notice<\/strong><\/li>\n<\/ul><p>If the borrower is not able to retrieve the vehicle, the lender will sell the repossessed car, truck motorcycle, boat or RV at an auction or private sale.&nbsp; After the sale, the lender will send a letter to the borrower detailing the selling price of the vehicle. That amount will be deducted from the balance owed on the loan, and present a Total Balance remaining due.<\/p><ul><li><strong>Loan Payment History<\/strong><\/li>\n<\/ul><p>You should always keep an accurate record of payments made on a car loan, especially if you may be facing repossession due to missed or delinquent payments. Contact the lender and request a complete loan payment history.&nbsp; Review the lender's records for the date the payment was received, the date that the payment was applied to your account, and then, how that payments was applied - principal, interest, late fees, etc.<\/p><ul><li><strong>Debt Collection<\/strong><\/li>\n<\/ul><p>Frequently, the collection of any remaining balance due on an auto loan will be turned over to a collection agency.&nbsp; A collector's efforts must comply with the Fair Debt Collection Practices Act, <strong>whether the debt is owed or not<\/strong>.&nbsp; &nbsp;Flitter Milz will review any collection letters that have been sent to borrowers as the result of a repossession.&nbsp;<\/p><h4>Free Legal Evaluation<\/h4><p>Flitter Milz has pursued several matters against lenders that have improperly repossessed vehicles, as well as the collectors that have used violating tactics in the collection of auto loan deficiencies.&nbsp;&nbsp;<\/p><p><a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">Contact us<\/a> for a free legal evaluation. We will help determine whether your legal rights, as a borrower, have been violated by the lender after the repossession. If your vehicle has been sold and you have begun to receive contact from a debt collector, we will review that contact for compliance with the <a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/debt-collection\/\">Fair Debt Collection Practice Act<\/a>.&nbsp;<\/p>",
            "MetaDescription": "Whether you fell\u00a0behind on payments or not, the lender must follow a number of rules before and after a car is repossessed.\u00a0These rules detail how and\u00a0when they can initiate car repossession, what kind of notices must be given, and how any auction or private sale\u00a0must be handled. If any rules were overlooked during or after the repossession of your vehicle, you may be able to take legal action against the lender or car repossessor, even if you were behind on payments.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "How do I get my car back after repossession?",
            "Slug": "how-do-i-get-my-car-back",
            "Content": "<p>When you choose to finance a vehicle, the lender, which could be a bank, finance company or credit union, has a security interest on the vehicle called collateral.&nbsp; The security interest gives the lender the right to take the vehicle back if the borrower defaults on the terms of the loan.&nbsp;<\/p><p>The loan agreement, or&nbsp;&nbsp;<a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/68011b4f4d\/CarRepo-RISC1-v2.pdf\" target=\"_blank\">Retail Installment Sales Contract<\/a>&nbsp;(RISC), will state terms for you to get your vehicle back.&nbsp; Some agreements may demand payment of the full balance remaining on the loan, while others may&nbsp;ask for past due payments.&nbsp; The loan agreement may also state terms for the inclusion of repossession fees, such as towing and storage.&nbsp;<\/p><p>If a borrower has defaulted on the terms of the loan, such as missed, late or partial payment, a lapse in insurance coverage, or death of borrower -&nbsp;the lender may repossess the vehicle.<\/p><p>After the repossession, the lender will send the following letters to the borrower:<\/p><ul><li><a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/a6093fdc64\/CarRepo-NoticeIntentSell1-v2.pdf\" target=\"_blank\">Notice of Intent to Sell Property<\/a>&nbsp;(or, Repossession Notice)&nbsp;<\/li>\n<\/ul><p>This letter details terms for the borrower to get the vehicle back.&nbsp; It will state the amount of money that must be paid within a specific period of time, and indicate the date the vehicle will be sold at an auction or private sale.&nbsp; &nbsp;<\/p><ul><li>Deficiency Notice&nbsp;&nbsp;<\/li>\n<\/ul><p>This letter is sent to the borrower AFTER the vehicle has been sold.&nbsp; It will list the selling price of the vehicle, and after deducting that amount from the balance due on the loan, will calculate the total remaining balance.<\/p><h4>Free Legal Evaluation of Improper Vehicle Repossession<\/h4><p>If your vehicle has been repossessed, <a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">contact Flitter Milz<\/a> for a free legal evaluation of your loan and repossession documents.&nbsp; Whether you may have fallen behind on payments or not, the lender may have handled your repossession improperly and violated your consumer rights.&nbsp;<\/p>",
            "MetaDescription": "The loan agreement that you sign at the time of purchase details your rights if your car is repossessed. If you financed through the dealership, this document is called the Retail Installment Sales Contract, or RISC. It will state whether you must pay off the full balance of the loan or\u00a0pay only past due payments.\u00a0In addition to satisfying loan payments, the lender may require you to pay towing and storage fees.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "How Do I Know If My Repossessed Car Was Sold?",
            "Slug": "how-do-i-know-if-my-repossessed-car-was-sold",
            "Content": "<p>Once the lender, the bank, finance company or credit union, has repossessed a vehicle, they are required to provide correspondence to the borrower which outlines steps to take.<\/p><p>The first letter is a repossession notice, frequently called a <strong>Notice of Intent to Sell Property<\/strong>, which is sent shortly after the vehicle is taken. This letter confirms the repossession and states terms to retrieve the vehicle.&nbsp; It will indicate the amount that must be paid to retrieve the vehicle, state the location of the vehicle for retrieval of personal property, and indicate the date that the vehicle will be sold at an auction or private sale.<\/p><p>Once the car is sold, the lender will send a letter to the borrower called a&nbsp;<a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/508ceabf04\/CarRepo-DeficiencyNotice1-v2.pdf\" target=\"_blank\">Deficiency Notice.&nbsp;<\/a>This letter is a statement showing the sale proceeds,&nbsp;repossession fees,&nbsp;storage fees, and any remaining balance claimed due. This notice is called athe vehicle was sold for an amount that is more than&nbsp;the total owed on the loan, the consumer is entitled to receive the surplus.<\/p>",
            "MetaDescription": "The lender may sell your vehicle at a private sale or auction. Whether the vehicle was voluntarily repossessed or not, once the vehicle is sold, you are entitled to receive a detailed statement showing the sale proceeds,\u00a0repossession fees,\u00a0storage fees, and any balance claimed due. This notice is called a Deficiency Notice. If the vehicle was sold for an amount that is more than\u00a0the total owed on the loan, the consumer is entitled to receive the surplus.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "Do I Have Rights Against the Repo Agent?",
            "Slug": "do-i-have-rights-against-repo-agent",
            "Content": "<p>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&nbsp; the vehicle. The lender will hire a repossession company, or towing company, to seize the vehicle. This company is an agent of the lender.&nbsp; They are obligated to contact the local police to inform them of their intent to take the car, truck, motorcycle, boat or RV.&nbsp;&nbsp;<\/p><p><strong>The repossession&nbsp;agent is not permitted to:<\/strong><\/p><ul><li>Break into a fenced or locked area, or enter your home or garage&nbsp;without permission.<\/li>\n<li>Damage the vehicle in hooking or hauling it.<\/li>\n<li>Damage personal property.<\/li>\n<li>Threaten or touch you.<\/li>\n<li>Refuse to leave your property.<\/li>\n<li>Repossess based on faulty information, such as, suggesting default&nbsp;when you are not in default.<\/li>\n<\/ul><p><strong>Victims of Wrongful Repossession should:<\/strong><\/p><ul><li>Gather statements from witnesses, including name, address and phone number<\/li>\n<li>Take photographs of the vehicle - including the odometer for mileage at the time of repossession<\/li>\n<li>Take photographs of damaged property<\/li>\n<li>Video tape, if possible, the interaction between the borrower and the repo man.<\/li>\n<li>File a police report.<\/li>\n<\/ul><p><strong>Legal representation for Victims of Wrongful Repossessions<\/strong><\/p><p>Flitter Milz represents victims of wrongful repossession, <strong>whether the borrower had fallen behind on payments or not<\/strong>.&nbsp; We will review the car loan and repossession documents for compliance with the laws governing unlawful repossessions.&nbsp; If the lender has violated a consumer's rights, we will discuss pursuit of a lawsuit against the lender and the repossession agent. <a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">Contact Us<\/a> for a no cost legal review.<\/p>",
            "MetaDescription": "When a wrongful repossession occurs, gather statements from witnesses, take photographs of damaged property, and obtain a police report.The repossession\u00a0agent is not permitted to:Break into a fenced or locked area, or enter your home or garage\u00a0without permission.\tDamage the vehicle in hooking or hauling it.\tDamage personal property.\tThreaten or touch you.\tRefuse to leave your property.\tRepossess based on faulty information, for example, suggesting default\u00a0when you are not in default.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "Can the Police Assist in a Vehicle Repossession?",
            "Slug": "can-police-assist-repossession",
            "Content": "<p><strong>Inform the local police department<\/strong><\/p><p>The repossession agent is to inform the local police department of the intent to seize a vehicle. During the repossession, the police may be contacted by the consumer or the repossession agent to come to the scene.&nbsp;<\/p><p><strong>Keep the peace<\/strong><\/p><p>The police are to aid in keeping the peace. If the situation becomes volatile, they should&nbsp;assist in diffusing the confrontation between the repossession&nbsp;agent and the consumer.&nbsp;<\/p><p>The police should not assist or enable the repossession. They should not order you to turn over your keys or to \u201cstep aside\u201d and let the repossession agent take your vehicle.<\/p><p><strong>Breach the peace<\/strong><\/p><p>If the police threaten you with arrest or command you to turn over the vehicle, they may have crossed the line from keeping the peace to breaching the peace. This could violate your constitutional rights.&nbsp;You may be entitled to bring a lawsuit against the police department, the repossession company, and the lender for wrongfully repossessing your vehicle.<\/p><p><strong>Document the event<\/strong><\/p><p>Document the repossession. Make a note&nbsp;of the repossession company name, agent name, license plate number, name of police officer, and police department. Request a copy of the police report. Photograph damage to your vehicle or personal property. Gather written statements from witnesses. Contact Flitter Milz to discuss details of the repossession.<\/p>",
            "MetaDescription": "Inform the local police departmentThe repossession agent is to inform the local police department of the intent to seize a vehicle. During the repossession, the police may be contacted by the consumer or the repossession agent to come to the scene.\u00a0Keep the peaceThe police are to aid in keeping the peace. If the situation becomes volatile, they should\u00a0assist in diffusing the confrontation between the repossession\u00a0agent and the consumer.\u00a0",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "Was my repossession handled improperly?",
            "Slug": "wrongful-repossession-was-repossession-handled-improperly",
            "Content": "<h3><strong>Wrongful Repossession<\/strong><\/h3><p>Consumers are protected from abuse by&nbsp;repo agents.The repossession agent is not to breach the peace when taking a car, truck, motorcycle, boat or RV. This means that&nbsp;they are not to use physical force, threaten force, or take steps&nbsp;such as, entering your home or private property without invitation or&nbsp;accessing a locked garage or fence&nbsp;without your permission.&nbsp;If you believe that you were abused by the repo agent and the repossession was not handled properly, take the following steps to document the&nbsp;events&nbsp;from the repo agent's arrival to departure.<\/p><ul><li>Write a personal statement that documents the progression of events during the repossession. Include&nbsp;date,&nbsp;time of day, name of repossession company, physical description of the repo agent, etc.<\/li>\n<li>Photograph repo agent's truck showing company name, contact information&nbsp;and license plate.<\/li>\n<li>Photograph your vehicle from all angles so that you have record of the vehicle condition when it left your possession.<\/li>\n<li>Photograph the odometer for mileage before the vehicle leaves your possession.<\/li>\n<li>Photograph all damaged property, such as, fence gate, garage door or another vehicle on your property that was damaged as a result of the repossession.<\/li>\n<li>Obtain a police report detailing the incident. Be sure to get names of the police officers that came to the scene.<\/li>\n<li>Gather statements from witnesses, including their name, address, phone &amp; email.<\/li>\n<\/ul><p><strong>Flitter Milz represents consumers in Pennsylvania, New Jersey, New York<\/strong> and elsewhere that have had a car, truck, motorcycle, boat or RV repossessed.&nbsp; For a no cost evaluation of your repossession, <a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">contact us<\/a> to discuss what happened to you.&nbsp; We will evaluate your matter for a potential violation of your consumer rights.<\/p><p>&nbsp;<\/p>",
            "MetaDescription": "Wrongful RepossessionConsumers are protected from abuse by\u00a0repo agents.The repossession agent is not to breach the peace when taking a car, truck, motorcycle, boat or RV.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "Steps to Take Before a Vehicle Repossession",
            "Slug": "steps-take-repossession",
            "Content": "<p>If you think your&nbsp;vehicle may be repossessed, take these steps: &nbsp;<\/p><ul><li>Remove all&nbsp;purchase and loan documents from the vehicle.<\/li>\n<li>Remove all personal belongings from the vehicle.<\/li>\n<li>Note the current odometer mileage.<\/li>\n<li>Take photographs of the vehicle's interior and exterior.&nbsp;<\/li>\n<li>Request that the lender provide you with a written <a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/e97e135fa1\/Request_Auto_Loan_Payment_History-v2.pdf\" target=\"_blank\">loan payment history<\/a>.<\/li>\n<li>Request that the lender provide you with a payoff figure.<\/li>\n<li>Do not hide or conceal the vehicle to avoid a repossession.<\/li>\n<\/ul>",
            "MetaDescription": "If you think your\u00a0vehicle may be repossessed, take these steps: \u00a0",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "My Car Was Repossessed. What Should I Do?",
            "Slug": "my-car-was-repossessed-what-should-i-do",
            "Content": "<p>&nbsp;Vehicle repossessions are very upsetting.&nbsp; In an instant, your life can come to a hault.&nbsp; 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.<\/p><p>1)&nbsp; Determine whether your vehicle was repossessed or stolen.&nbsp;&nbsp;<\/p><ul><li>Call the lender&nbsp;or local police department&nbsp;to confirm that the vehicle was&nbsp;repossessed and not stolen. Before a repo agent takes a vehicle, the local police are to be informed of the pending repossession. Ask for details, such as which repossession&nbsp;company took your vehicle and when.<\/li>\n<\/ul><p>2)&nbsp; You should gather all paperwork related to the vehicle, from purchase and loan documents to payment records and correspondence from the lender.<\/p><ul><li>Car Purchase Agreement<\/li>\n<li><a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/68011b4f4d\/CarRepo-RISC1-v2.pdf\" target=\"_blank\">Retail Installment Sales Contract<\/a><\/li>\n<li><a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/a6093fdc64\/CarRepo-NoticeIntentSell1-v2.pdf\" target=\"_blank\">Notice of Intent to Sell Property<\/a><\/li>\n<li><a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/508ceabf04\/CarRepo-DeficiencyNotice1-v2.pdf\" target=\"_blank\">Deficiency Notice<\/a><\/li>\n<li><a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/bdc2e415a3\/Auto_Loan_Payment_History_Record-v2.pdf\" target=\"_blank\">Loan payment history<\/a><\/li>\n<li>Collection letters claiming deficient balance owed<\/li>\n<\/ul><p>3)&nbsp; Be cautious of any documents you are told to sign.&nbsp; For example, do not sign any waiver&nbsp;or release agreement to get your vehicle back.&nbsp;Signing a waiver could negate any legal claim for wrongful actions by&nbsp;the lender. The law does not require you to sign documents to retrieve&nbsp;your vehicle, even if the repo agent&nbsp;or storage yard&nbsp;asks for one.<\/p><p>4) Get Help from a qualified Consumer Protection Law Firm<\/p><ul><li><a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">Contact Flitter Milz<\/a> for an evaluation of your consumer rights.&nbsp; Our firm has helped hundreds of people that were victims of a lenders improper repossession tactics.<\/li>\n<\/ul>",
            "MetaDescription": "Call the lender\u00a0or local police department\u00a0to confirm that the vehicle was\u00a0repossessed and not stolen.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "How Does a Car Repossession Affect My Credit Report?",
            "Slug": "how-does-car-repossession-affect-my-credit-report",
            "Content": "<p>A vehicle repossession can remain on your credit report for up to seven and a half&nbsp;years after the original delinquency date. The negative listing may lower your credit score and hurt your ability to get any new credit.&nbsp;<\/p><p>Being viewed as a high credit risk may affect interest rates and credit limits on existing accounts, or cause new loan applications to be denied. The negative listing could also impact your chances of being offered a job or an apartment. &nbsp;<\/p><p>If your credit report reflects inaccurate information related to the repossession, dispute your credit report with the credit bureau and request the information be corrected or removed. Be sure to send a <a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/cad501d616\/Dispute_to_Creditor-v2.pdf\" target=\"_blank\">written dispute<\/a> to the credit bureaus listing the error and supply documentation that shows why their information is not correct. Your dispute should be sent by Certified Mail, Return Receipt so that you have proof your dispute was received. Be sure to keep copies of all correspondence.<\/p><p>If the lender does not handle the repossession properly<a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/eea1b53947\/5c40ed05b132bpractice-areas\/car-repossession\/do-i-have-rights-against-repo-agent\" target=\"_blank\"><\/a>, whether there was a default in payments or not, we are often able to get our clients' credit report corrected as part of the legal settlement against the bank.<\/p><h4>Seek Legal Advice<\/h4><p>Flitter Milz is a consumer protection law firm based in suburban Philadelphia, Pennsylvania that represents borrowers that have had a car, truck, motorcycle, boat or RV repossessed within the past 6 years.&nbsp; &nbsp;<\/p><p><a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">Contact us<\/a> to discuss listings on your credit reports by lenders that have repossessed your vehicle.&nbsp; If the tradeline is listed incorrectly on your credit report, we will guide you through the dispute process to get your credit report cleaned up.<\/p>",
            "MetaDescription": "A vehicle repossession can remain on your credit report for up to seven and a half\u00a0years after the original delinquency date. The negative listing may lower your credit score and hurt your ability to get new credit.\u00a0",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "What If My Payments Are Deferred to the End of the Loan?",
            "Slug": "what-if-my-payments-are-deferred-end-loan",
            "Content": "<p>Many times consumers may encounter financial hardship due to a job loss, illness,&nbsp;or death in the family. The lender&nbsp;may offer deferred payments, which are then applied to the end of the loan. It is important for the consumer to receive written confirmation showing&nbsp;this change in terms to the original loan agreement.&nbsp;Since the terms of the loan have, in&nbsp;effect, been extended, the consumer needs to see how the lender has calculated any additional money to be paid at the end to satisfy the loan.<\/p>",
            "MetaDescription": "Many times consumers may encounter financial hardship due to a job loss, illness,\u00a0or death in the family. The lender\u00a0may offer deferred payments, which are then applied to the end of the loan. It is important for the consumer to receive written confirmation showing\u00a0this change in terms to the original loan agreement.\u00a0Since the terms of the loan have, in\u00a0effect, been extended, the consumer needs to see how the lender has calculated any additional money to be paid at the end to satisfy the loan.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "What Does Collateral Mean?",
            "Slug": "what-does-collateral-mean",
            "Content": "<p>In lending agreements, <strong>collateral<\/strong> is a borrower's pledge of specific property to a lender to secure repayment of a loan. The collateral serves as protection for a lender against a borrower's failing to pay the principal and interest under terms of the loan agreement.&nbsp;When a bank or credit union makes a loan for a car, truck, or motorcycle, they have a security interest in the vehicle. This gives them the right to take back, or repossess, the vehicle if a payment is late.&nbsp;<\/p><p>Although the borrower may have fallen behind on payments, there are consumer protection laws that the lender must follow when repossessing a vehicle. Flitter Milz is knowledgeable in the laws that protect borrowers from a wrongful repossession and will evaluate whether the lender handled your repossession properly.&nbsp;&nbsp;<\/p><p><a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">Contact us<\/a> for a free legal review.<\/p>",
            "MetaDescription": "In lending agreements, collateral is a borrower's pledge of specific property to a lender to secure repayment of a loan. The collateral serves as protection for a lender against a borrower's failing to pay the principal and interest under terms of the loan agreement.\u00a0When a bank or credit union makes a loan for a car, truck, or motorcycle, they have a security interest in the vehicle. This gives them the right to take back, or repossess, the vehicle if a payment is late.\u00a0",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "What is a Notice of Intent to Sell Property?",
            "Slug": "what-notice-intent-sell-property",
            "Content": "<p>After a vehicle has been repossessed, the lender is required to send a letter to the consumer. This letter may be called a&nbsp;<a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/a6093fdc64\/CarRepo-NoticeIntentSell1-v2.pdf\" target=\"_blank\">Notice of Intent to Sell Property<\/a>. It&nbsp;explains how you can retrieve the vehicle, how much you must pay, the location of the vehicle, and the time and location of a private sale or auction.<\/p><p>Flitter Milz will review this letter, along with your loan agreement and any other correspondence sent after a vehicle has been repossessed. Whether you fell behind on payments or not, the lender must follow the law.&nbsp; <a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">Contact us<\/a> for a free legal review.<\/p>",
            "MetaDescription": "After a vehicle has been repossessed, the lender is required to send a letter to the consumer. This letter may be called a\u00a0Notice of Intent to Sell Property. It\u00a0explains how you can retrieve the vehicle, how much you must pay, the location of the vehicle, and the time and location of a private sale or auction.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "What is a Deficiency Notice?",
            "Slug": "what-deficiency-notice",
            "Content": "<p>The lender must provide a notice to the consumer that confirms the sale price of the repossessed vehicle from the auction or private sale.&nbsp;This letter, called a &nbsp;<a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/508ceabf04\/CarRepo-DeficiencyNotice1-v2.pdf\" target=\"_blank\">Deficiency Notice<\/a>, is sent to the consumer after the sale. If the sale price does not pay off the balance that is owed on the loan, the consumer will owe the remaining balance to satisfy the loan, even if the vehicle was voluntarily given back. Frequently, the lender will assign collection of the deficient balance to a collection agency.<\/p><p>Flitter Milz will review this letter, along with your loan agreement and any other correspondence sent after a vehicle has been repossessed. Whether you fell behind on payments or not, the lender must follow the law.&nbsp; <a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">Contact us<\/a> for a free legal review.<\/p>",
            "MetaDescription": "The lender must provide a notice to the consumer that confirms the sale price of the repossessed vehicle from the auction or private sale.\u00a0This letter, called a \u00a0Deficiency Notice, is sent to the consumer after the sale. If the sale price does not pay off the balance that is owed on the loan, the consumer will owe the remaining balance to satisfy the loan, even if the vehicle was voluntarily given back. Frequently, the lender will assign collection of the deficient balance to a collection agency.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "Ardent Federal Credit Union",
            "Slug": "ardent-federal-credit-union",
            "Content": "<h4><strong>Was your vehicle repossessed in the past 6 years by Ardent Federal Credit Union?&nbsp; <br>If so, your consumer rights may have been violated.<\/strong><\/h4><p>Whether you were behind on your auto loan payments or not, the credit union must follow the law and handle the repossession properly.<\/p><h4><strong>Victims of Unlawful Vehicle Repossessions have Rights<\/strong><\/h4><p>We all know that when a borrower falls behind on payments or breaks the terms of an auto loan agreement, the lender is entitled to repossess the vehicle.<\/p><p>But, once the credit union repossesses a vehicle, there are consumer protection laws that must be followed. These laws offer protections to borrowers - from an improperly handled repossession, such as tactics used by an overly aggressive repossession agent, to inadequate communications sent to the borrower about the repossessed vehicle .&nbsp; When these laws are broken, the borrower may have fallen victim to an unlawful vehicle repossession and be able to pursue a lawsuit against the credit union.<\/p><h4><strong><a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">Contact Flitter Milz<\/a> for a FREE legal review.<\/strong><\/h4><p>Flitter Milz is a nationally recognized consumer protection law firm that has represented borrowers who have fallen <a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/\">victim to unlawful vehicle repossessions<\/a>. Contact us to discuss the issues leading up to the repossession, events during the repossession, and steps taken by the credit union afterwards.&nbsp; There is no cost to you for the legal evaluation.&nbsp; Flitter Milz is here to protect you from an illegal vehicle repossession.<br><em>Toll Free<\/em>:&nbsp;<strong>888-668-1225&nbsp; &nbsp; &nbsp;&nbsp;<\/strong><em>Emai<\/em>l:&nbsp; Consumers@ConsumersLaw.com<\/p><h5 class=\"text-clear\">Learn More about Vehicle Repossession<br><a rel=\"noopener\" href=\"https:\/\/www.youtube.com\/watch?v=7QwwJcXLs-8\" target=\"_blank\">Attorney Cary L. Flitter speaks on Repossession<br><br><\/a><strong>Consumers101 Blog Posts<\/strong><\/h5><p><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/do-i-have-rights-against-repo-agent\/\">Do I have rights against the repo agent?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/do-i-have-rights-after-repossession\/\">Do I have rights after repossession?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/how-do-i-get-my-car-back\/\">How do I get my car back?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/wrongful-repossession-was-repossession-handled-improperly\/\">Wrongful Repossession: Was the repossession handled improperly?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/what-does-collateral-mean\/\">What does collateral mean?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/what-deficiency-notice\/\">What is a Deficiency Notice?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/what-notice-intent-sell-property\/\">What is a Notice of Intent to Sell Property?<\/a><\/p><p class=\"text-clear\">&nbsp;<\/p><p>&nbsp;<\/p><p>&nbsp;<\/p>",
            "MetaDescription": "Flitter Milz, P.C. specializes in First Heritage Federal Credit repossession of RV\u00e2\u20ac\u2122s, boats, motorcycles & cars. If you experienced wrongful repossession of your car, boat, RV or motorcycle by First Heritage Federal Credit, call us today!",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "Performance Finance of Reno, NV",
            "Slug": "performance-finance-of-reno-nv",
            "Content": "<h4><strong>Did Performance Finance repossess your motorsport vehicle in the past 6 years?<br>If so, your consumer rights may have been violated by the bank.<\/strong><\/h4><p class=\"text-clear\">Whether you were behind on your vehicle loan payments or not, Performance Finance is required to follow the law before and after the repossession of your vehicle. If you have any questions, gather your documents and contact us for a no-cost evaluation today, toll-free at: <strong>888-668-1225<\/strong>.<\/p><h4 class=\"text-clear\">Victims of Unlawful Vehicle Repossessions have Rights<\/h4><p class=\"text-clear\">We all know that when a borrower falls behind on payments or breaks the terms of a vehicle loan agreement, the lender is entitled to repossess the vehicle.<\/p><p class=\"text-clear\">But once the bank repossesses a vehicle, there are consumer protection laws that must be followed. These laws offer protections to borrowers - from an improperly handled repossession, such as tactics used by an overly aggressive repossession agent, to inadequate correspondence sent to the borrower about the repossessed vehicle.&nbsp; When these laws are broken, the borrower may have fallen victim to an unlawful vehicle repossession and be able to pursue a lawsuit against Performance Finance, or their parent company, Evergreen Bank Group.<\/p><h4 class=\"text-clear\"><a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">Contact Flitter Milz<\/a> for a FREE legal review<\/h4><p class=\"text-clear\">Fitter Milz is a nationally recognized consumer protection law firm that has represented borrowers who have fallen <a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/\">victim to unlawful vehicle repossessions<\/a>.&nbsp; We will discuss the issues leading up to the repossession, events during the repossession, and steps taken by Performance Finance afterwards.&nbsp; There&nbsp; is <strong>NO COST<\/strong> to you for the legal evaluation.&nbsp; Flitter Milz is here to protect you from an illegal vehicle repossession.<\/p><p class=\"text-clear\"><strong><a href=\"https:\/\/www.consumerslaw.com\/consumer-resources\/videos\/\">CLICK HERE<\/a> to Learn More about Vehicle Repossessions from Attorney Cary L.<\/strong> <strong>Flitter<\/strong><br><br><\/p><h4>Consumers101 Blog Posts:&nbsp; What you need to know about Repossessions<\/h4><p><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/do-i-have-rights-after-repossession\/\">Do I have rights after repossession?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/do-i-have-rights-against-repo-agent\/\">Do I have rights against the repo agent?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/how-do-i-get-my-car-back\/\">How do I get my car back?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/wrongful-repossession-was-repossession-handled-improperly\/\">Wrongful Repossession: Was the repossession handled improperly?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/what-does-collateral-mean\/\">What does collateral mean?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/what-deficiency-notice\/\">What is a Deficiency Notice?<\/a> <br><a href=\"https:\/\/www.consumerslaw.com\/practice-areas\/car-repossession\/what-notice-intent-sell-property\/\">What is a Notice of Intent to Sell Property?<\/a><\/p><p>Performance Finance, headquartered in Reno, Nevada, writes loans for motorsports vehicles, such as:<\/p><ul><li>ATVs &amp; Dune buggies: RZR, Ranger, Sportsman, General<\/li>\n<li>SlingShots (giant 3-wheeled tricycles)<\/li>\n<li>Snowmobiles and Timbersleds<\/li>\n<li>Pontoon &amp; Deck Boats<\/li>\n<li>Motorcycles: INDIAN and VICTORY cycles<\/li>\n<\/ul><p><strong>Performance Finance<\/strong> provides vehicle loans to motorsport dealerships in the following areas:<\/p><p><em><strong>Western PA: <\/strong><\/em>Clearfield, Erie, McKean, Westmoreland<\/p><p><strong><em>Central PA:&nbsp;<\/em><\/strong>Centre, Cumberland, Snyder, Lycoming<\/p><p><strong><em>Eastern PA:&nbsp;<\/em><\/strong>Berks, Bucks, Lancaster, Lackawanna, Philadelphia, Wayne<\/p><p>&nbsp;<\/p><h4>&nbsp;<\/h4><p>&nbsp;<\/p>",
            "MetaDescription": null,
            "publish_date": "1969-12-31 12:00:00"
        }
    ]
}