Having your property repossessed can be a stressful, unnerving event. Most commonly, automobiles are repossessed, leaving the debtor without a way to get around. The Brevard County repossession lawyers at Buchalter & Pelphrey Attorneys At Law understand just how stressful this situation can be, and we want to bring our 50+ years of combined experience to your aide. If your car has been repossessed – or it is about to be – contact us immediately to see what options are available to you. We offer a free initial case evaluation.
Understanding Repossession in Brevard County
If you have purchased a vehicle on credit and have stopped making timely payments, your creditor can choose to repossess or take back the car.
While the creditor is under no legal obligation to give you notice, there are certain laws governing how and where they repossess the vehicle:
- They may not enter your home without permission to recover the property
- They may not use violence in any way to recover the property
- They cannot trick you into bringing the car into the shop in order to repossess it
What Happens to My Personal Property in the Car?
You have a legal right to retrieve the property left in your car when in was repossessed. The company that repossessed your car is allowed to remove these items from the car and store them. You will need to arrange a time to pick up your belonging with the company, and you may have to pay a storage fee for your items. If the repossession company does not allow you to retrieve these items, they are acting outside of the law. Our Brevard County repossession lawyers are aware of the rights afforded to you.
How Does Bankruptcy Help Me?
When you file for bankruptcy, an automatic stay is put in place to prevent further collection attempts. If you file for bankruptcy before your car is repossessed, this will block the creditor from attempting to repossess it. If you file for bankruptcy after, you may be able to get your vehicle back. One thing is certain – you will have to act quickly. Once your car has been repossessed, there is a limited amount of time before your creditor will auction it off. You must act quickly before your property is sold.
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