“Can I Really Sue The
Repo Company & Lender?”
HELL YES!
(And you don’t pay a dime — they pay our attorney fees when they lose)
They repossessed your car illegally or kept your stuff? SUE THEM FOR THOUSANDS!Our Attorneys Have Secured MILLIONS in Awards from Repo Agents and Banks and WE CAN HELP YOU TOO!
The United States has laws against banks and repossession agents. You have the right to stop a self-help repossession.
How STC LAW FIRM, PLLC ™ Works For You
You fill out our simple questionnaire and submit your other evidence.
We review your situation for free to determine if your rights have been violated and we will connect you to an award-winning attorney.
No matter what,
You never pay for your attorney unless we win for you!
Wrongful Repossession Help:
How to Know if the Repo Man or Lender Broke the Law
Did the Repo Man or Lender…
- Yell, threaten, curse, or “breach the peace” when you objected?
- Enter a closed garage, cut locks, or damage property?
- Keep or “lose” your tools, child seat, guns, clothes, or anything in the car?
- Charge you a fee to get your personal belongings back?
- Repo the car AFTER you filed bankruptcy?
- Fail to send proper notice before selling the vehicle?
If they did ANY of the above — even if you were behind on payments —
you have a case worth $10,000–$150,000+ right now!
Things Repo Men & Lenders CANNOT DO When Repossessing Your Car
If they did any of these — you can sue for thousands (even if you were behind on payments)
- Breach the peace — yell, threaten, curse, push you, or argue when you object
- Enter a closed garage, cut locks, break gates, or damage property
- Take the car if you or anyone else is inside it
- Use fake police lights, badges, or pretend to be law enforcement
- Repo your car AFTER you filed bankruptcy (automatic stay violation)
- Keep, sell, throw away, or “lose” your personal belongings (tools, child seats, guns, clothes, etc.)
- Charge you any fee to get your stuff back
- Sell the vehicle without sending proper Notice of Sale (state law violation)
- Charge illegal repossession, storage, or “personal-property retrieval” fees
- Continue trying to collect the deficiency balance after an illegal repo
What Laws Protect You in a
Wrongful Repossession?
You are protected by the federal Uniform Commercial Code (UCC Article 9) and the Fair Debt Collection Practices Act (FDCPA) — plus every state’s version of the UCC. These laws control exactly how lenders and repo companies can take and sell your car, truck, or motorcycle.
Before these laws, repo men could break into garages, threaten people, keep personal belongings, and auction the car the next day. Those days are over.
Now every single step of the repossession and sale process is strictly regulated:
- No “breach of the peace” (yelling, threats, cutting locks, etc.)
- They must let you get your personal property for FREE
- They must send proper Notice of Sale (UCC § 9-611, 9-612, 9-613, 9-614)
- The sale must be “commercially reasonable” (UCC § 9-610)
- Repo after bankruptcy filing = automatic stay violation
If the lender or repo company breaks even ONE of these rules — even if you were 6 months behind — you can sue them for thousands or tens of thousands. Companies like Santander, Credit Acceptance, Westlake, United Auto Credit, Renovo, Relentless Recovery, and ALS Resolvion pay out every single week for UCC Article 9 and FDCPA violations.
Did they keep your tools, child seat, guns, or clothes? Did they sell the car without proper notice? Did they charge illegal fees?
That’s a lawsuit worth $8,000 – $50,000+. Sign up FREE in 90 seconds.
Repossessions in America
Over 2.3 Million
Vehicles Are Repossessed
Every Single Year in the United States
Source: Experian, NIADA & Federal Reserve (2023–2025 average)
Who Can I Sue for Wrongful Repossession?
You can sue ANYONE who participated in an illegal repossession — even if you were behind on payments.
That includes the lender, the repossession company, the individual repo agent, the auction yard, and even the law firm that tried to collect the balance afterward.
Below are the biggest and most-sued players nationwide.
(If yours isn’t listed — we still sue them. There are thousands.)
Major Lenders & Finance Companies We Sue Every Day
- Santander Consumer USA / Chrysler Capital
- Credit Acceptance Corporation
- Westlake Financial / Wilshire Consumer Credit
- United Auto Credit
- Bridgecrest (formerly DriveTime)
- GM Financial / AmeriCredit
- Exeter Finance
- Regional Acceptance
- Nicholas Financial
- Lobel Financial
- Global Lending Services (GLS)
- Tidewater Motor Credit
- Skopos Financial
- Flagship Credit Acceptance
- Consumer Portfolio Services (CPS)
- CarMax Auto Finance
- Ally Financial
- Wells Fargo Dealer Services
Major Repossession Companies & Agents We Sue
- Renovo Recovery / Relentless Recovery
- ALS Resolvion
- United Recovery / Prime Recovery
- Recovery Database Network (RDN) agents
- Manheim Recovery
- PAR North America
- Flex Recovery
- Century Recovery
- Allied Recovery Solutions
- Skipco / Repo Remarketing
- Any local “repo man” or tow yard that kept your stuff
Helpful Tips After a Repossession:
Don’t Pay Any “Storage” or “Personal Property” Fees – EVER
Under the UCC and state law, they MUST let you get your belongings for FREE and cannot condition return of your property on paying any fee. If they demand money to get your tools, child seat, clothes, guns, or anything else back — that’s an automatic lawsuit worth thousands.
Don’t Ignore Letters or Lawsuits for the Deficiency Balance
After they sell your car, many lenders (Santander, Credit Acceptance, Westlake, etc.) will sue you for the remaining “deficiency.” If the repo or sale was illegal (breach of peace, no proper notice, kept your stuff), we can wipe out the debt completely and make them pay YOU instead.
Save Everything
Take photos of any damage from the repo, save texts/emails from the repo company, keep the Notice of Sale (or prove you never got one), and make a list of everything that was in the car. This evidence turns a $5K case into a $25K–$50K+ settlement fast.
Had Your Car Repossessed or Stuff Kept? Get Your FREE Case Review Now!
Can You Sue the Lender, Repo Company, or Their Lawyers for Wrongful Repossession? YES — 100%!
Even if you were behind on payments, you can sue anyone who broke the law during or after the repossession:
- The lender (Santander, Ally, Credit Acceptance, etc.)
- The repossession company & individual repo agent
- The law firm that sent demand letters or sued you for the deficiency
- Anyone who kept or sold your personal belongings
Common violations include breach of the peace, illegal fees, no notice, keeping your stuff, or collecting after bankruptcy. Courts routinely award $10,000 – $150,000+ against these companies and their attorneys.
Lenders, Repo Companies & Law Firms We Sue Every Single Week:
- Santander Consumer USA / Chrysler Capital
- Credit Acceptance Corporation
- Westlake Financial / Wilshire Consumer Credit
- United Auto Credit
- Bridgecrest / DriveTime
- GM Financial / AmeriCredit
- Ally Financial
- Wells Fargo Dealer Services
- Renovo, Relentless Recovery, ALS Resolvion
- Manheim Recovery & United Recovery
- Law firms that sue for deficiency balances after illegal repos
- Attorneys who defend repo companies or try to collect after unlawful repossession
- ANY lender, repo agent, or lawyer that violated the law — size doesn’t matter.