What can you do if your car was dented during repossession but the repo men deny damaging it and noted on the condition report that it was towed with it?

1. Can you dispute a repossession?
2. How do I sue for wrongful repossession?
3. What happens when a damaged car is repossessed?
4. Can you sue a repo company for damages?
5. What is a 609 letter?
6. Can a credit repair company remove a repo?
7. What is breach of peace in repossession?
8. Do repo guys have badges?
9. Should I pay off a repossession?
10. Can a totaled car be repossessed?
11. What happens if the repo man never finds your car?
12. Who is responsible for damage during a repo?
13. How much are repossession fees in California?
14. Can your car get repossessed during coronavirus in California?

Can you dispute a repossession?

Negotiate with your lender: Your lender loses money when they repossess. ... File a dispute: If you go through your credit reports and see anything reported inaccurately about your repossession, you can dispute it with the credit bureaus.

How do I sue for wrongful repossession?

You may be entitled to bring a lawsuit against the police department, the repossession company, and the lender for wrongful vehicle repossession. Gather statements from witnesses, if any, and obtain the police report that details the incident. Take a video of your interaction with the repo agent and/or police officers.

What happens when a damaged car is repossessed?

If the vehicle has damage and then it is repossessed, the lender will try to submit an insurance claim. If they learn the insurance has lapsed, they will add those damages to the remaining amount you owe on the loan AFTER they sell the vehicle.

Can you sue a repo company for damages?

In certain situations, you can even sue a repo man for damages. The laws regarding what repo men can and cannot do are typically provided in state statutes. ... Generally, some ways to potentially sue a repo man can include: Breach of peace.

What is a 609 letter?

A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It's named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices.

Can a credit repair company remove a repo?

Credit Repair May Be Able to Remove a Repossession Early

While credit repair is hardly a guarantee, filing a credit report dispute may allow you to remove an erroneous or unsubstantiated repossession mark from your credit report.

What is breach of peace in repossession?

Repossession law prohibits a repo man from committing a “breach of the peace” during the repossession process. Breaching the peace during an auto loan repossession can include using physical force or threats of force and breaking into locked buildings. All laws on repossessing cars prohibit breaches of the peace.

Do repo guys have badges?

(b) A repossessor shall not wear a badge on his or her belt or hang a badge around his or her neck. ... (c) All badges, cap insignias, and jacket patches worn by a repossessor shall be a standard design approved by the director and shall be clearly visible.

Should I pay off a repossession?

When you pay off a repossession, it reduces the amount you owe to your creditors. This has a positive effect on your credit and will help to raise your score. ... Making the new payments as agreed on can help to boost your score by showing a recent history of on-time payments along with reducing your debt.

Can a totaled car be repossessed?

The bank repossess the vehicle and then auctions it off and applies that (minus any fees to repossess and auction, which are expensive) to the loan. It is HIGHLY unlikely that whatever they receive at auction will be enough to pay off the loan. You will still owe the balance of the loan to the bank.

What happens if the repo man never finds your car?

If the repo man can't find the car, he can't repossess it. ... Eventually the creditor will file papers in court to force you to turn over the car, and violating a court order to turn the vehicle over will result in accusations of theft.

Who is responsible for damage during a repo?

When a car is repossessed by a lender, liability for the car and damages made to it transfers to the lender as well. So, if a repossession company damages the car in the course of repossessing it, then the company is legally responsible for the damages.

How much are repossession fees in California?

Calif. Vehicle Code 28(a). To take your vehicle off this repo list “the debtor shall pay the sheriff [or police] a fee of fifteen dollars ($15) . . . before the vehicle may be redeemed by the debtor.” Calif.

Can your car get repossessed during coronavirus in California?

While many lenders have begun to voluntarily forego repossessions during the pandemic, if you get behind on your payments, your lender still could repossess your car — sometimes without warning.