Car Repossession
Your Vehicle Was Taken — But Was It Legal?
Car repossession can feel sudden, humiliating, and devastating—especially if it happens without warning or due process. However, lenders must follow specific legal procedures before they can take your vehicle. If they fail to do so, you may have the right to fight back.
At E&R Home Mortgage Consulting, we help you determine whether your repossession was legal, identify your options, and take steps to reclaim your rights.
What Counts as Wrongful or Illegal Repossession?
Repossession becomes wrongful when a lender seizes your vehicle without following the proper steps including providing notice, honoring payment arrangements, or respecting your legal protections.
Common signs include:
- Your vehicle was taken without any prior notice
- You were actively in negotiation or had a payment plan in place
- Your loan terms were changed without your knowledge
- The repossession agent damaged property or acted aggressively
- You suspect the lender didn’t own the loan at the time
How E&R Helps You Take Back Control
We thoroughly review your auto loan documents, lender communications, and the circumstances of the repossession to determine if your rights were violated and what you can do about it.
Our Car Repossession Support Includes:
- Document review of loan terms and agreements
- Timeline analysis of lender and repossession activity
- Strategy sessions to help you respond effectively
- Education on your consumer rights
- Support in pursuing corrective action if fraud or misconduct occurred
This Service Is for You If…
- Your car was repossessed without warning or explanation
- You were promised an extension or payment plan but still lost your vehicle
- You received no clear communication before or after the repossession
- You feel misled by your lender or auto finance company
- You suspect illegal tactics were used during repossession
Don’t Let a Repossession Go Unchallenged
If your car was taken and something doesn’t feel right, trust your gut. Let’s review what happened, investigate the facts, and help you understand your rights and options.