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Get Legal Advice About Philadelphia Repossession

Did you wake up to find your vehicle gone because of repossession?

If you have an outstanding loan on your car, truck, motorcycle or boat, you have an obligation to pay the loan according to the agreement with your lender. At the same time, your lender has an obligation to play by the rules, too. Even if you are behind on payments, the lender and anybody they hire to repossess your vehicle cannot break the law.

Unfortunately, unlike money you may owe to a credit card company, a vehicle is a secured loan. If you owe money on the vehicle and cannot make the payments, or are unable to reach a repayment schedule agreement with your lender, they do have the right to take back the car. However, they must do it peacefully. In Pennsylvania, this means:

  • They do not have the right to break into your garage or other structure to get the vehicle.
  • If they come to your property to remove the vehicle, you have the right that - they do not have the right to enter your property to remove the vehicle unless they obtain a court order.
  • They must have a written security agreement.
  • If your property is repossessed, the lender must give you written notice as to the time and date of the sale of your property.

If the property that is being repossessed is not a vehicle, your creditor is required to give you 21-day advance notice in writing of the intent to repossess.

If you are in debt and at risk of repossession, contact a Philadelphia debt relief attorney

If you are seriously in arrears in your car or other motor vehicle payments, chances are you are struggling with credit card or other debt as well. An attorney with experience in consumer debt can explain your bankruptcy and other options and help get you the relief you need. If your vehicle has been illegally repossessed, your lawyer can also talk to you about your legal recourse. To find a qualified lawyer in your area, please fill out the online form or call 267-428-1386.

Get Legal Advice About Philadelphia Repossession

Did you wake up to find your vehicle gone because of repossession?

Even if you are behind on payments on your car or other motor vehicle, your lender and anybody they hire to repossess your vehicle cannot break the law. Unlike money owed on credit cards, a car loan is a secured loan. If you owe money on the vehicle and cannot make the payments or reach a repayment agreement, they have the right to peacefully take back the vehicle. In Pennsylvania, this means:

  • They do not have the right to break into your garage.
  • They do not have the right to enter your property to remove the vehicle without a court order.
  • They must have a written security agreement.
  • If your property is repossessed, the lender must give you written notice as to the time and date of the sale of your property.

If you are at risk of repossession, contact a Philadelphia debt relief attorney

If you are seriously in arrears in your car payments, chances are you are struggling with credit card or other debt as well. An attorney with experience in consumer debt can explain bankruptcy and other options and help get you the relief you need. If your vehicle has been illegally repossessed, your lawyer can also talk to you about your legal recourse. To find a qualified lawyer in your area, please fill out the online form or call 267-428-1386.