Can They Really Repo My Car? Be Knowledgeable

Are you worried about getting your vehicle repossessed? Many repossession agents work under the knowledge that the people they are dealing with might not know everything there is to know about the vehicle repossession process. If you think you might be at risk of having your vehicle repossessed it is important to understand the ins and outs of auto repossession, so you can protect your rights and keep your assets.

When you have financed a vehicle, the bank or other creditor lends you the funds for the car. If you do not make the payments you have agreed to make, that is when your vehicle can be repossessed.

The vehicle repossession process is governed by law, meaning the agents have to follow the rules. For instance, you should be aware that the creditor may first accelerate your loan, causing your entire payment amount to become due all at once. If you do not come up with the money, agents can start auto repossession – but they cannot come into your home uninvited, nor trick you into handing the vehicle over unwittingly, and they definitely cannot break into your garage or through a gate to access your vehicle.

You have to be treated fairly by auto repossession agents, so make notes of their behavior. Auto repossession agents are not legally allowed to threaten you or be violent toward you, and you must be allowed to take back your own property and possessions that may be in the vehicle.

If you do not pay for the vehicle and get it back, it may be sold at an auction, the proceeds of which must go toward the balance of your outstanding loan. You are likely still on the hook for whatever is left owing, if anything.

If your vehicle is not repossessed lawfully, you may be able to get it back or otherwise fight the situation in court. Talk to an attorney about the vehicle repossession process, and how you should be treated throughout. If something is done incorrectly, your attorney will know, and can work with you to ensure that you are being protected by the law.

Auto repossession happens to a lot of people, frequently. However, not everyone is aware of their rights. By being knowledgeable about the vehicle repossession process you are putting yourself in a better situation, and obtaining legal advice from an attorney is a big part of getting that knowledge.


This blog is intended as a general discussion of legal issues and not as a statement of fact, legal advice or a legal opinion. No attorney-client relationship is created by this blog. Do not act or rely upon law-related information in this communication without seeking the advice of an attorney licensed to practice in the relevant area.

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