THEY TOOK
YOUR CAR.
NOT YOUR
RIGHTS.
If the repo crossed the line, you deserve answers.
Being behind on payments doesn't give a lender or repo agent permission to threaten you, damage property, or ignore the law. Tell us what happened.
WHEN THE REPO CROSSES THE LINE.
You may have rights even if you missed payments. The details of how the vehicle was taken—or what happened afterward—matter.
THEY THREATENED OR INTIMIDATED YOU
Force, threats, confrontations or conduct that may breach the peace during a repossession.
UNDERSTAND YOUR RIGHTS ↗ 02 / PROPERTY & ENTRY⌁THEY BROKE IN OR DAMAGED PROPERTY
Locked garages, damaged gates, broken property or other disputed entry.
UNDERSTAND YOUR RIGHTS ↗ 03 / YOUR BELONGINGS▣THEY KEPT YOUR PERSONAL ITEMS
Tools, child seats, medicine or other belongings left in the car and not returned.
UNDERSTAND YOUR RIGHTS ↗ 04 / NOTICE & SALE≠THEY DIDN'T FOLLOW THE RULES
Missing or defective notices, disputes about the sale, or an unexpected deficiency balance.
UNDERSTAND YOUR RIGHTS ↗ 05 / SERVICEMEMBERS★YOU'RE PROTECTED BY THE SCRA
Active-duty military borrowers may have additional federal protections, depending on the facts.
UNDERSTAND YOUR RIGHTS ↗ 06 / DISPUTED REPOSSESSION?YOU THINK IT WAS A MISTAKE
Payments, account status, bankruptcy protections, or identity issues can change the analysis.
UNDERSTAND YOUR RIGHTS ↗These are reasons to investigate—not automatic findings of liability. Available remedies depend on the state, parties, and facts.
THE REPO HAPPENED.
NOW TAKE ACTION.
Tell us the lender, repo company, and what happened. We'll review the information and help identify possible next steps.
START MY FREE CASE REVIEWRIGHTS.YOUR NEXT MOVE.
THREE STEPS. REAL ANSWERS.
We keep the first step simple while protecting your ability to explain what happened.
TELL YOUR STORY
Complete the existing free intake form and describe the repossession.
WE REVIEW IT
We evaluate your information for potential consumer-rights issues.
LEARN YOUR OPTIONS
If the matter may qualify, we can discuss next steps and attorney review.
YOUR STATE.
YOUR RIGHTS.
Repossession laws differ across jurisdictions. Browse our state guides to understand common rules and what to ask about your situation.
EXPLORE ALL STATE GUIDES ↗Don't see the exact situation described? Ask for a free case review.
IT'S NOT JUST REPOSSESSION.
Consumer protections also address certain debt collection tactics, inaccurate credit reporting, and unwanted calls.
CREDIT REPORT ERRORS
Disputed information that may be inaccurate or not properly investigated.
LEARN MORE ↗02 — FDCPADEBT COLLECTION HARASSMENT
Potentially unlawful collection practices and misleading communications.
LEARN MORE ↗03 — TCPAUNWANTED CALLS & TEXTS
Certain calls or texts may violate federal or state protections.
LEARN MORE ↗YOU HAVE QUESTIONS.
WE GET IT.
Repossession is stressful. A few basics can help you decide what to do next.
GET A FREE REVIEW ↗Can I have a claim if I was behind on payments?
Potentially. Default can permit repossession, but it does not excuse conduct that violates applicable law. Whether you have a claim depends on the facts and the state.
What should I save after the repo?
Keep messages, account statements, notices, photos or video, witness names, payment records, and a list of any personal property in the vehicle.
What if they kept items from inside my car?
Tell us exactly what was in the vehicle, when you requested it back, and what the recovery company said. The rules and available remedies differ by state.
Does contacting you create an attorney–client relationship?
No. An inquiry or initial case review does not establish an attorney–client relationship; that requires a separate agreement.
THEY TOOK THE CAR.
TAKE BACK CONTROL.
Find out whether the way your vehicle was repossessed may have violated your rights.
CHECK MY REPO — FREE Free initial case review. No guaranteed outcome. Attorney Advertising.