Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

My car was just repossessed.

Customer Question
My car was just repossessed.
Submitted: 2 years ago.Category: Consumer Protection Law
Ask Your Own Consumer Protection Law Question
Answered in 1 hour by:
2/1/2016
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 2 years ago
Lucy, Esq.
Lucy, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 32,264
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.

What are your questions for a lawyer about repossession? What state are you in?

Ask Your Own Consumer Protection Law Question
Customer reply replied 2 years ago
PA
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 2 years ago

What are you questions about having the car taken? Were you behind on the payments?

Ask Your Own Consumer Protection Law Question
Customer reply replied 2 years ago
No phone calls please.
How many points will this lower my credit score if I pay the 3 or 4 past due payments to get back my car?
Consumer Protection Lawyer: Lucy, Esq., Lawyer replied 2 years ago

First, check the terms of your loan. There is sometimes an acceleration clause that says you must pay the full outstanding balance on the loan to get the car back.

There's unfortunately no way for us to calculate the exact number of points that your score will decrease - it depends on multiple factors, including your current credit rating. Your credit score could drop significantly - up to 100 points. Most of the damage is done right away. Overtime, as you continue to pay your other debts, your score will come back up. That can take a few years, though. The late payments will remain on your credit even if you are able to pay them, and that will also cause your score to drop, even if you are able to redeem the loan and get the car back.

There is a tool on www.creditkarma.com that can help you estimate your credit score based on various scenarios. That's a free site (no credit card required).

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
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a consumer protection lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Lucy, Esq. Your Own Question
Lucy, Esq.
Lucy, Esq.
Lucy, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 32,264
32,264 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

7,125 satisfied customers

Licensed attorney helping individuals and businesses.

Ely

Ely

Counselor at Law

3,436 satisfied customers

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

Barrister

Barrister

Lawyer

1,679 satisfied customers

Attorney,17 years experience in consumer protection areas

P. Simmons

P. Simmons

Lawyer

1,227 satisfied customers

16+ yrs. of legal experience.

LADY LAWYER

LADY LAWYER

Lawyer

748 satisfied customers

Consumer Lawyer

RGMacEsq

RGMacEsq

Lawyer

604 satisfied customers

Licensed Texas General Practice Attorney

RobertJDFL

RobertJDFL

Lawyer

517 satisfied customers

Experienced in multiple areas of the law.

< Previous | Next >

Related Consumer Protection Law Questions
Can a repo man move the car in front of your car to repo it.
Can a repo man move the car in front of your car to repo it … read more
LegalGems
LegalGems
Juris Doctorate
12,775 satisfied customers
My car was repossessed. The same day I paid what I owed and
My car was repossessed. The same day I paid what I owed and send the info to the company that took it. The company that repossessed it went through the whole car, put everything in a garbage bag. Afte… read more
Thelawman2
Thelawman2
Doctoral Degree
1,733 satisfied customers
My son lives in Montana. He bought 2 cars from a buy here
My son lives in Montana. He bought 2 cars from a buy here pay here lot. The Audi was repossessed and he paid off the Hyundai vehicle. The dealer is telling him he needs to now pay for the Audi that wa… read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
I got a car repossessed. I had already paid the car off but
I got a car repossessed. I had already paid the car off but didn't yet get the title from the dealership owner. A situation occurred and I was incarcerated and because the dealership owner, his mother… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I feel that my car was repossessed illegally by Credit
Hi. My name is***** and I feel that my car was repossessed illegally by Credit Acceptance Corp. Facts: Last December (2014), I made my car payment by money order, instead of paying through the interne… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,474 satisfied customers
My car was just repoed and they had no paperwork and will
my car was just repoed and they had no paperwork and will not tell me anything and say that before i can be told anything it has to go through a machanic and all kinds of things i need to know why the… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I was in a relationship with a girl and leased a new car in
I was in a relationship with a girl and leased a new car in my name for her to drive. when we split up, she drew up a contract stating she would keep the car and make the payments and I could not take… read more
LegalGems
LegalGems
Juris Doctorate
12,775 satisfied customers
My car or in fact it was my fathers because of the better credit
My car or in fact it was my fathers because of the better credit score was repossed. How can I get the loan reinstated?… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,474 satisfied customers
We have a loan at our credit union that has our daughters 98
We have a loan at our credit union that has our daughters 98 Oldsmobile Intrigue title attatched. My husband has a disability can't work. He has a trust that we live off. This past year a mistake was … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,474 satisfied customers
i bought on the 29th and it broke down that night and the carlot
i bought on the 29th and it broke down that night and the carlot had to come get it and they fixed it and told me i had to pay a 50 dollar towing bill i told them i will be back to pay them and the re… read more
Alex Esquire
Alex Esquire
Managing Attorney
Doctoral Degree
153 satisfied customers
Bought a car & financed through dealership, on3/10/12 & returned
Bought a car & financed through dealership, on3/10/12 & returned the car 3/17/12. Cannot afford the monthly of $549.00 a month with an APR of 23%. Just cannot afford it, might get furloughed from job.… read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
I have been considering voluntary have my vechile repossessed
I have been considering voluntary have my vechile repossessed and I am trying to see what legally that would entail. My brother is a co-signer on the loan and I want to find out who this would effect … read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
I agreed to take over payment for a friends car loan because
I agreed to take over payment for a friend's car loan because she bought a new car. I went to NJ for 1 month and the cops took my car at my apt parking lot and impounded it and said that it looks like… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,474 satisfied customers
Hello, My Mother in law, Loretta, had her car repossessed
Hello, My Mother in law, Loretta, recently had her car repossessed by her bank, B of A. The family had to scramble and come up with $1,300 for a M.O. to pay the bank, $150 to pay the repo guys, and $5… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
My son-in-law temporarily lost his job, missed some car payments
My son-in-law temporarily lost his job, missed some car payments and their car was repossessed. They have been told that if they pay the missed payments, $200 repossession fee and $25 storage fee, the… read more
Barrister
Barrister
Lawyer
Doctoral Degree
1,679 satisfied customers
shinybaseMy sister fell behind on her car payment. Now the
shinybase My sister fell behind on her car payment. However, she offered to resume payment, but bank declined. Now the creditor/bank is trying to repossess the car. Can the creditor/bank repossess the… read more
Barrister
Barrister
Lawyer
Doctoral Degree
1,679 satisfied customers
If there is a lienholder on a vehicle, can it be repossessed
If there is a lienholder on a vehicle, can it be repossessed? If it can be, is the repossession company legally required to contact the leinholder first before taking the vehicle?… read more
LADY LAWYER
LADY LAWYER
Lawyer
Juris Doctor
748 satisfied customers
This past summer while going through major life changes, I
This past summer while going through major life changes, I impulsively bought a minivan at a very high price with a very high interest rate ($20,000 and 17%). My financial picture has changed signific… read more
FLACORPLAWYER
FLACORPLAWYER
Doctoral Degree
1,750 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