Skip to Content
Free Consultations Today 888-875-9190
Top
Repossessions

Repossessions in San Diego

Creditor Requirements in a Repossession

In California, repossession companies and creditors involved with repossessions must comply with certain laws. They are generally allowed to take your vehicle without notice even if you are one day late with your payment. They must, however, send you and any co-signers a post-repossession notice. This must detail your right to reinstate the loan and also contain certain disclosures. Unless you leased the car, you are entitled to recover your car by paying the past due loan amount and any repossession and storage fees. Otherwise, including cases of leasing, you will receive a notice of your vehicle being sold at auction. The amount received at auction - usually less than if you were to make a private sale - is applied to your bill and remaining amount owed is the "deficiency balance."

A repossession company may not:

  • Enter your house uninvited
  • Threaten to have you arrested
  • Threaten or commit violence or make physical contact
  • Enter a closed or locked garage
  • Damage the vehicle being repossessed
  • Contact you while you are driving and force you to pull over
  • Have law enforcement officials present, unless they have already sued you

San Diego Debt Relief Lawyer: Defending Your Rights

You do have rights and options in this situation and a San Diego bankruptcy attorney can ensure you are aware of these. An attorney can review your case to check for any violation of your rights and determine your best course of action. At San Diego Legal Pros, we act promptly and aggressively in order to protect your interests. We will review your post-repossession notice; if no notice is supplied or it does not contain all required clauses, the creditor has no right to collect any money from you.

Schedule your complimentary case review today.  

Sometimes, unscrupulous creditors demand more than the required payment in order to reinstate your loan. Attempting to charge additional fees or penalties before returning your car is illegal and we can act to defend your rights should this occur. You may have other options, and should act fast to protect your rights and prevent possible wage garnishment.

Contact a San Diego debt attorney at (888) 875-9190 if you are 
threatened with repossession or have had your vehicle repossessed. 

Why Hire San Diego Legal Pros

  • Fast & Efficient Experience
  • Face-to-Face and Remote Consultations
  • Over 20 Years Experience
  • Detailed & Successful
  • Little to No Money Down
  • Free Consultations

Contact Us Today

We’re Ready to Help

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy

Hear From Our Happy Clients

At San Diego Legal Pros, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    "Jon made it easy from beginning to end."

    I feel lucky to of found San Diego Legal Pros. Jon Cooper made it so easy to get the process started. I just had to follow ...

    - Cheryl M.
    "This is someone you can trust with your financial issues!"

    I am lucky I was directed to Mr. Cooper this week. He is an Attorney that truly is working for the best outcome. He was ...

    - Lisa F.
    "I felt secure and comfortable."

    I hired Jon Cooper to lead my case of BK. From the very first moment and through the successful discharge I felt secure and ...

    - LG
    "We Are Blessed!"

    If you are looking for honest and sincere legal advice, then San Diego Legal Pros is the firm for you. Our experience was ...

    - Donald C.
    "Jon Cooper is a very professional and honest lawyer!"

    Jon Cooper is a very professional and honest lawyer. He was very easy to work with and made me feel comfortable at the worst ...

    - Carole D.
    "If you are looking for a lawyer, I highly recommend him."

    If you are looking for a lawyer, I highly recommend him.

    - Claudette C.
    "Jon is an expert in bankruptcy law!"

    Jon handled my case quickly and without incident. He immediately addressed all my concerns and explained the whole process. I ...

    - J.R.
    "I am on my way to financial freedom!"

    Working with Jon Cooper / San Diego Legal Pros was one of the best things I could have done while doing this bankruptcy. ...

    - P.B.