Auto Repossession

Auto Repossession 

Your vehicle may be repossessed if you fall behind in your auto loan payments. This can not only result in a major inconvenience, but it can also damage your credit score.  

When facing vehicle repossession, you need help from Massachusetts auto repossession attorneys. Our experts at Daigle Law Officecan help you review your options to keep your vehicle. 

When Does a Car Repossession Occur? 

Cars are repossessed by lenders when you fail to make your loan payments. This usually happens when payments are overdue for a significant period, often 90 days or more. The exact timeline is typically outlined in your loan details.  

While the exact reason for car repossession can vary, the most common reasons are due to: 

  • Missed Loan Payments: The top reason is failure to make timely loan payments. When you take out a car loan, the car itself acts as collateral for the loan. If you don’t make payments, the lender can take back the vehicle to recoup their losses. 
  • Violating Loan Terms: Your loan agreement might have terms beyond just payments. For example, it might require you to maintain insurance coverage on the car. Failing to do so could also be grounds for repossession. 

What to Know About Auto Repossessions 

When facing a vehicle repossession, knowing what to expect is essential. Some key details about repossessions include: 

  • Repossession can happen without warning: Lenders don’t have to notify you before repossessing the car. However, they are required to follow specific legal procedures. 
  • Repossession hurts your credit score: Having a car repossessed can seriously damage your credit score, making it more difficult and expensive to borrow money in the future. This can make it harder to get another vehicle. 
  • You may have the right to get your car back: In some cases, you may be able to get your vehicle back by paying the overdue amount plus any repossession fees. Your attorney can help you review your options. 

How Can Auto Repossession Be Avoided During Bankruptcy? 

There are numerous ways to avoid vehicle repossession. Filing for bankruptcy is one option. 

An Automatic Stay is implemented if a Chapter 7 bankruptcy has been filed. In most cases, a lender cannot repossess a vehicle or collect a debt.  

During Chapter 13 bankruptcy, you will make up late or missed payments through your repayment plan. This will help you retain possession of the car when your bankruptcy is finalized.  

Working with our lawyers at Daigle Law Office is essential to determine how to avoid a vehicle repossession during your bankruptcy proceedings. 

Can the Court Grant Permission to Repossess the Vehicle? 

Although you are protected under the automatic stay, you could still lose your vehicle. The lender can file a “motion for relief from stay” with the court. This motion allows the lender to have the right to repossess the vehicle based on missed or late payments. 

You typically have 2 to 3 weeks to dispute the motion. The judge might deny the motion if you can prove the lender made a mistake or the payments were mishandled. The judge might also let you work with the lender to form your agreement. 

Why Hire Us to Help You Avoid an Auto Repossession? 

Call our trusted auto repossession lawyers at Daigle Law Office if you are behind on your auto loan payments. We can review your auto loan agreement and missed payments and help you find the best option to avoid vehicle repossession. 

To schedule a free consultation, please call Daigle Law Office today at 508-771-7444

What our clients think about us

Daigle Law Office
Based on 124 reviews
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Brian OBrian O
10:37 13 May 24
From my initial phone call and talk with Atty Daigle, to working with Ann Marie and Tracey, my experience with Daigle Law Office has been great. They walked me through everything and got me started back on the right track. I would highly recommend Daigle Law Office for those seeking to get themselves back on track financially.
Yuliya MalinkovichYuliya Malinkovich
21:42 10 May 24
Working with Ann Marie and the entire team was a fantastic experience
Abby MoralesAbby Morales
21:03 21 Mar 24
BEST OF THE BEST! staff always friendly and attentive, process was so easy and they help all the way through. would recommend to everyone.
Chris ManchukChris Manchuk
00:03 21 Mar 24
Ryan BrownRyan Brown
23:22 19 Mar 24
Susan BrownSusan Brown
19:16 23 Oct 23
They get right to work on your file & are very pleasant. Helped me not to stress. Very nice group. I worked with Ann Marie Ellis super nice to work with. Everyone in the office are great. Very knowledgeable & compassionate.
Mary BarbozaMary Barboza
02:22 14 Sep 23
Karyn Lukas is a terrific bankruptcy lawyer! She is very knowledgeable and passionate. She helped us with all our needs and was quick to respond. Such a wonderful person when I met her face to face. Very organized and attention to detail lawyer. She always double checks her work and never assumes anything. It was such a pleasure to have her as my bankruptcy lawyer. The Daigle law office team is amazing and I would highly recommend them!- Denise
13:36 12 Sep 23
Daigle law firm is fantastic and very professional, courteous and polite. Very helpful throughout the process for my situation. I thank you all for everything. Briana, Jessica and especially Karyn Lukas. Karyn helped me through this ordeal and helped calm my many anxieties. I appreciate her. Also, I thank Peter Daigle for taking the time to call me himself and oversee everything. I will recommend Daigle always. Thank you again.
Jeff KellyJeff Kelly
02:47 20 May 15
Peter Daigle is a great guy. He is easy to talk with and he will fight hard for you. If you need an attorney in the Cape Cod area, you need to call Peter.
Jeanne WalshJeanne Walsh
02:02 03 Apr 15
Excellent experience, Peter Daigle and his office people were professional, sensitive and caring about their clients. Carla Roy is extraordinary.
suzanne rohanesuzanne rohane
22:20 26 Feb 15
Peter and Karen were both helpful, kind, and courteous to us during the whole process of our bankruptcy. I would strongly recommend Peter and Karen to anyone having any issues with bankruptcy.

Contact Daigle Law Office

Call Now: 508-771-7444. Or submit your inquiry below. We look forward to having the opportunity to work with you!

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