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Ellen, Lawyer, Consultant
Category: Legal
Satisfied Customers: 36714
Experience:  25 years of experience helping people like you.
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We purchased a vehicle over a year ago and are still current

Customer Question

We purchased a vehicle over a year ago and are still current on the payment within 2 weeks. Every time we are a little behind(the most has been 30 days) they call threatening to repo the car within 2 weeks. Is this legal or harassment? We have never gone past 30 days and still made double payments that month to catch up.
Submitted: 8 years ago.
Category: Legal
Expert:  Ellen replied 8 years ago.



Unfortunately the lender can repossess the vehicle if a payment is late. Typically a lender will wait at least 30 days but is not so required to wait. As per the UCC any repossession must be without a breach of the peace,