While repossessions themselves are legal, there are countless consumer protection laws in place to protect people from wrongful repossessions.

Examples of wrongful repossession include:

• Repossessing the car without notice (if the state or contract has pre-notice requirements)

• Using physical force during repossession which is a "breach of peace"

• Not having a waiting period before repossessing the vehicle

• Repossessing the vehicle for loan statements signed by the previous owner

• Not giving a notice after repossessing the vehicle, explaining how you can reclaim it

• Not returning your personal property inside the vehicle

• Selling the vehicle for an unreasonable price and demanding high deficiency

What can you do?

Wrongful repossession is illegal. If your vehicle was wrongfully repossessed, DoNotPay can help you file a demand letter for wrongful possession using your states laws and help you reclaim your vehicle.

What if it wasn't a wrongful repossession?

In the case the repo was valid, you will have to pay off any balances you owe in order to reclaim your vehicle. If you can't afford the payments, DoNotPay can help you ask for a payment plan or negotiate the balance you owe.

How DoNotPay can help with car repossessions:

1. Search "car repossession" on DoNotPay and select whether your car has been repossessed or is in danger of being repossessed.

2. Enter the state you financed this vehicle in, and let us walk you through your state's repossession laws to see if your car was or is being wrongfully repossessed.

3. If we can make a case for wrongful repossession, DoNotPay will file a demand letter on your behalf to the lender to fight against

And that's it! DoNotPay will make sure your issue gets sent to the right place. We'll upload confirmation documents to your task for you to view, and if the contacts need more information, they will reach out to you personally via email or mail.