Consumer Protection Law

Consumer Protection Law Questions? Ask a Lawyer Now.

Ask a Lawyer,
Get an Answer ASAP!

Consumer Protection Law

If you took a loan on your car withyou title for $2500 and

Customer Question
you payed for one year...
if you took a loan on your car withyou title for $2500 and you payed for one year and they reposse you car how do get your car back
Submitted: 1 year ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 3 hours by:
1/20/2016
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago
Lucy, Esq.
Lucy, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 30,600
Experience: Lawyer
Verified

Hi,

I'm Lucy, and I'd be happy to answer your questions today. I'm sorry to hear that this happened.

California law unfortunately does not require lenders to give a consumer any notification before repossessing a vehicle. The loan itself is notice that payments must be paid. The day a payment is late, they're allowed to take the car unless there is a grace period in the loan itself. So, the lack of a separate notice does not mean that you are entitled to get the car back, I'm sorry to say. The notices they're required to give kick in AFTER the car is taken.

Look at your loan paperwork. Sometimes, you're able to get the car back as long as you bring the loan current, paying any past due amounts, interest, and costs associated with the repossession. Sometimes, there's an "acceleration clause" which means that you'd only be able to get the car back if you pay the loan IN FULL. They have 48 hours after the car is taken to give you a notice telling you where the car is, who took it, a list of personal items within the vehicle, and giving you 60 days to collect those items. This notice also should contain a notice of how much is owed and what you have to pay to get the car back. They're also required to give you 15 days notice before they can sell the car, and under California law, you have until the sale to repay the loan and get the car back.

If it's been less than 48 hours, you'll be getting a notice soon. If that time passes and they don't give you the documentation, call the lender to see what they can tell you about who took the car. Or if the car was paid and the repayment was a mistake, try calling the lender as soon as they open for business.

If you have any questions or concerns about my response, please reply WITHOUT RATING. It's important that you are 100% satisfied with my courtesy and professionalism. Otherwise, please rate my service positively so I am paid for the time I spend answering questions. If you are on a mobile device, you may need to scroll to the right. There is no charge for follow-up questions. Thank you.

Ask Your Own Consumer Protection Law Question
Customer reply replied 1 year ago
can i talk to someone on the phone to make more into the subject matter what is going on
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago

I'm unfortunately not able to speak with you on the phone, but can chat with you via this forum for as long as you like at no additional charge. The site may offer you the option of requesting a phone call for an extra payment. If you do that, another expert may contact you if one is available.

If you mean talk to someone who took the car, absolutely, you can call the lender and ask them what's going on as soon as they open for business, but they may tell you to wait for the notice. That documentation should have all the information you need.

Ask Your Own Consumer Protection Law Question
Customer reply replied 1 year ago
ok let continue chatting they sent a letter that i have to pay $2500 that is first letter then on the send letter there was amount$1700 and they going to sell my car on the 21dec i spoke to ***** ***** the person in charge i told him i can pay the rest on the 3rd of jan he agreed verbally only nothing in writing so what is your advise should i trust him
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago

Did you pay the balance in full on Jan. 3? Was the car sold on Dec. 21?

Ask Your Own Consumer Protection Law Question
Customer reply replied 1 year ago
sorry feb 3
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago

Was the car sold on Dec. 21?

Ask Your Own Consumer Protection Law Question
Customer reply replied 1 year ago
that is tomorrow that what the letter stated
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago

You're allowed to request that they extend the sales for 10 days if it hasn't happened yet, and they should delay.

Ask Your Own Consumer Protection Law Question
Customer reply replied 1 year ago
if they extend the date is till the 31jan i can pay them only on the 3rd
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago

Tomorrow is January 21. If that's when the car is being sold, you can request a 10 day extension. You need to pay the amount due in full before the scheduled sale in order to ensure that you get the car back. It could be extremely difficult to get the car back after a sale based on the fact that they orally said you could pay later. You need something in writing - but it's still better to pay the loan FIRST.

If they'll delay the sale, which they should, that gives you the opportunity to make the payment before the new sale date and get your car back. Paying four days after the sale won't help you. The only way to keep the money is if you can find a way to get the money before they sell it, unless they agree to reschedule the sale for after Feb. 3.

Ask Your Own Consumer Protection Law Question
Customer reply replied 1 year ago
feb verbally he agreed should take his word verbally
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago

That's not binding on him. If he sells the car after verbally agreeing not to, there is nothing you can do about it.

Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago

That's why I said it is better to get something in writing. They're basically saying they'll do you a favor, but that's not legally enforceable.

Ask Your Own Consumer Protection Law Question
Customer reply replied 1 year ago
it is better to see him personally in his office and get it writing
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago

Yes, it is. And you may have to make a small payment to make the agreement binding. That way, you're giving them something in exchange for them giving you something, which is how you create a binding contract.

Ask Your Own Consumer Protection Law Question
Customer reply replied 1 year ago
i paying total of $5000 for $5000 loan is that the right way
Customer reply replied 1 year ago
for $2500loan
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago

That depends on your loan agreement. Read all your paperwork carefully to see what it says. You should either be able to reclaim the car by repaying the past due amount or paying the entire remaining balance plus interest, late fees, and other penalties. I can't think of any reason you'd have to pay $5,000 unless they're charging you a ridiculous amount for storage. Find the documents so you know EXACTLY what you need to be paying and show to the lender.

I'm having some technical difficulties that are requiring me to sign off bit a bit. If you have more questions, I'll be back as soon as I can, but there may be a delay. I apologize for the inconvenience.

Ask Your Own Consumer Protection Law Question
Customer reply replied 1 year ago
from the date they posses my car i have paid them $1500 dec7 one paymentof $500andon jan 7$1000
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 1 year ago

Then you should ask them to reconfirm the amounts owed, because it sounds like the vehicle should be paid in full by now. Go back to the first notice they sent to see how much money you owed when they took the car.

Ask Your Own Consumer Protection Law Question
Ask Lucy, Esq. Your Own Question
Lucy, Esq.
Lucy, Esq.
Lucy, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 30,600
30,600 Satisfied Customers
Experience: Lawyer

Lucy, Esq. is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Infolawyer

Infolawyer

Lawyer

6,900 satisfied customers

Licensed attorney helping individuals and businesses.

Ely

Ely

Counselor at Law

3,415 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

Barrister

Barrister

Lawyer

1,595 satisfied customers

Attorney,17 years experience in consumer protection areas

Tina

Tina

Lawyer

1,587 satisfied customers

17 years legal experience including consumer protection law.

P. Simmons

P. Simmons

Lawyer

1,173 satisfied customers

16+ yrs. of legal experience.

LADY LAWYER

LADY LAWYER

Lawyer

748 satisfied customers

Consumer Lawyer

RGMacEsq

RGMacEsq

Lawyer

578 satisfied customers

Licensed Texas General Practice Attorney

< Previous | Next >

Related Consumer Protection Law Questions
We bought second hand caravan from arv dealers Eden for
We bought second hand caravan from arv dealers Eden for $17,500. We were told the van was fully checked out everything was working well, and it did come with warranty. Just got back from our first tri… read more
WiseOwl58
WiseOwl58
JD Honors Graduate
3,524 satisfied customers
Just got a lien form the sheriif dept from my job by way of
Just got a lien form the sheriif dept from my job by way of TX for a credit card debt that was 10-12 years old that only had a credit limit on it fro $350 now that want $1659 ,10% a week for my pay ,C… read more
Ray
Ray
Lawyer
Doctoral Degree
30,259 satisfied customers
How can I protect my credit if I am a consigner on a car
How can I protect my credit if I am a consigner on a car loan? My credit score has dropped due to missed payment by the other party. I do not have possession of the vehicle since I am just the consign… read more
P. Simmons
P. Simmons
Lawyer
Doctoral Degree
1,173 satisfied customers
My reintegration therapists made me sign a disclosure that
Hello my reintegration therapists made me sign a disclosure that he wouldn't be involved in being dragged into court nor report writing. Well he gave the other party a report lying and including a 3rd… read more
WiseOwl58
WiseOwl58
JD Honors Graduate
3,524 satisfied customers
When a small claims is entered with the court for Fraud by
When a small claims is entered with the court for Fraud by Misrepresentation and I tell the magistrate that I have the documentation to prove my charge, is it not her DUTY TO HEAR my case and make the… read more
lwpat
lwpat
Doctoral Degree
256 satisfied customers
Have had an issue here for almost 5 days now, where my
Have had an issue here for almost 5 days now, where my Facebook Page with over 100,000 fans (that I bought $15,000 worth Facebook Ads to build up over the past few weeks) has been now been offline wit… read more
UranIT
UranIT
IT Consultant, Network and System Admin
Associate Degree
468 satisfied customers
I am a retail worker working in a supermarket as a cashier.
Hello, i am a retail worker working in a supermarket as a cashier. Today, I accidentally make a mistake. After telling customers their bill amount, they want to pay by card, but I accidentally pressed… read more
RobertJDFL
RobertJDFL
Attorney
Juris Doctorate
5 satisfied customers
For WiseOwl85 if he wants it: I need a suggestion as to the
For WiseOwl85 if he wants it: I need a suggestion as to the wording of a suit (motion) in civil court. Suing may not even get to court SO I need the reason for the suit to the defendant be significant… read more
WiseOwl58
WiseOwl58
JD Honors Graduate
3,524 satisfied customers
This question is in regards to Proposition 65 in California
This question is in regards ***** ***** 65 in California regarding Nutritional Supplements.I run a very small nutritional supplement company with only 4 employees. I read that Prop 65 only applies if … read more
Legal Expert Justin
Legal Expert Justin
Law Degree
204 satisfied customers
Customer's correspondences & documents sent to bank
customer's correspondences & documents sent to bank regarding accounts, unethical conduct, id theft, etc. are made part of bank account records ? Retention - how long ?… read more
Legal Expert Justin
Legal Expert Justin
Law Degree
204 satisfied customers
Was involved in an auto accident. No injuries but car
Was involved in an auto accident. No injuries but car declared a total loss by insurance company. Insurance company has offered a settlement based on their appraisal + applicable sales tax and dmv fee… read more
TJ, Esq.
TJ, Esq.
Juris Doctor (JD)
11,189 satisfied customers
We have a situation with our builder that needs to go to
We have a situation with our builder that needs to go to arbitration. The arbitrator that they have chosen is charging $1,000 administration fee plus $300 per hour. This is a relatively small dispute … read more
socrateaser
socrateaser
1,031 satisfied customers
I want to get out of a used car contract, because 1. they
I want to get out of a used car contract, because 1. they (dealer #2, I'll call them) didn't disclose a defect in the left front part of the car (door doesn't seal to body due to a previous accident, … read more
WiseOwl58
WiseOwl58
JD Honors Graduate
3,524 satisfied customers
I was wondering if my husband and I are subject to the
I was wondering if my husband and I are subject to the equifax data breach … read more
Zoey, JD
Zoey, JD
Doctoral Degree
175 satisfied customers
Not for Phillip esq., lawyer 2, Ray, infolawer,I have
Second opinion] Not for Phillip esq., lawyer 2, Ray, infolawer,I have received subpoenas regarding judgement over 10 years ago. I did not know there was judgement. I never received it before. It was w… read more
Pheobe Clark
Pheobe Clark
Attorney
JD
20 satisfied customers
I have a friend who was wrongly terminated by a major
I have a friend who was wrongly terminated by a major airline. What agencies can he complain to? He may not be able to beat, "city hall," as the saying goes, but he can at least report them and bring … read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I was wondering if you could tell me if there is such a
Hi, I was wondering if you could tell me if there is such a thing as not being able to cancel a contract ever? My fiancé signed a membership with a westgate resort, it wasn't a purchase of property or… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
6,900 satisfied customers
I live in Florida and I took out a short term loan in the
I live in Florida and I took out a short term loan in the amount of $800 with a tribal lender (Inbox Loans). I was in a desperate medical situation and needed money fast. No realizing (my mistake of c… read more
socrateaser
socrateaser
1,031 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x