Consumer Protection Law
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You need to make a formal written demand to the repossession company for the missing items to be returned to you. If your request is ignored or refused, then you need to file Small Claim against the lender for the return of the items. The lawsuit will be filed against the lender and not the repossession company (towing company) because the repossession company is just an agent of the lender. The lender is ultimately responsible for the action of its agent.
In the alternative, you can use the missing items as defense to any claim for deficiency judgment. That is, if the lender sells the car for less than what you owe and then files lawsuit against you for the deficiency amount, one of your defenses to the deficiency lawsuit would be that the lender took your personal properties that were in the car that were not part of the financed property and that the lender must be ordered to pay for replacement value of the items wrongfully taken.
If there is no deficiency lawsuit, but you were sent a notice of the deficiency and demand to pay and your account is ultimately referred to collections, your defense would be the same. Your claim would be that you dispute that you owe the deficiency because your personal properties in the car were wrongfully taken as part of the repossession. Therefore, you owe the lender nothing.