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Repossession Lawyer in Ventura

Call for a Free Consultation to Discuss Your Relief Options

You use your car every day to carry out important tasks such as getting to work, the store, or school. If your vehicle gets repossessed, taking care of these daily functions can be difficult. At The Law Offices of Robert F. Sommers, we understand the hardships that can arise if your lender takes your vehicle; that is why we work with you to help explore financial relief options so you can keep your car.

Call our Ventura repossession attorney at (805) 919-8662 for a consultation.

Creditors Must Comply with Repossession Rules

When you purchase a vehicle, you sign a contract that outlines when your vehicle can be repossessed if you are behind on payments or fail to buy insurance for the vehicle. Because you signed this contract, your lender can repossess your vehicle without providing you advanced notice that they will be doing so.

Your lender, however, has to follow certain rules when repossessing your vehicle:

  • They cannot commit “breach of peace,” meaning they cannot use force, threats, or enter a locked garage to take your vehicle
  • They must send you a post-repossession notice, explaining how you can reinstate your contract and recover your vehicle

If your lender fails to abide by these rules, you may have legal options available to you to get your vehicle back or avoid paying a deficiency balance – the amount left on your loan after your car has been sold and the proceeds have been applied to the loan. Our Ventura repossession lawyer can help you understand your rights if your vehicle has been repossessed. We can review documents and the circumstances of the repossession to determine if rules or regulations have been violated.

Top-Quality Representation to Protect Your Assets

If your vehicle was repossessed or you are behind in payments and fear your lender may repossess your vehicle, The Law Offices of Robert F. Sommers is ready to help you. With more than 20 years of experience, we know what options are available to you. Our knowledgeable Ventura bankruptcy attorney can guide you through the process of recovering your vehicle or filing for debt relief options, such as Chapter 7 or Chapter 13 bankruptcy, that will allow you to keep your vehicle.

To discuss your options for keeping your vehicle, call us at (805) 919-8662 or contact us online.