Houston Repossession Lawyer
Helping Clients Prevent Car Repossession
Today’s economy can make it challenging to pay your debts, including your car loan. All too often, individuals find themselves under a mountain of debt they cannot pay and worry about losing their vehicle to repossession.
Our legal staff recognizes that attempting to prevent or fight repossession without legal assistance can feel overwhelming. Kisch Law Firm, PLLC, is a law firm passionately committed to helping clients who have concerns about auto repossession. Contact our law offices today to schedule a free consultation with our skilled repossession lawyer, who will gladly determine your legal options.
How Can a Repossession Attorney Help Me?
Texas has strict laws regarding how a creditor or a repossession agent is permitted to retrieve a vehicle. A knowledgeable attorney will review the case and identify any potential legal violations.
In other instances, an attorney may be able to determine that the repossession agent illegally or improperly took possession of your vehicle due to a breach of the peace. Under Texas law, a repo man is guilty of a breach of peace if they use violence, intimidation, or threats to retrieve a vehicle.
Your attorney can also negotiate with the lender to try to reinstate the car loan or assist you with filing bankruptcy if you have other debts that you are struggling to pay. Due to the legal complexities involved, it is always best to seek legal advice from a car repossession attorney who can explain your options and help you recover your vehicle.
Can I Seek Legal Help if My Vehicle Was Repossessed?
Texas law allows individuals to seek legal help if their car was seized by creditors, especially if they believe they are the victim of wrongful repossession or have submitted improper paperwork. In other cases, an attorney may be able to initiate a bankruptcy filing that will initiate a court order to prevent repossession.
If the vehicle was repossessed but the lender has not auctioned it off yet, you may still be able to get it back by filing a Chapter 13 and putting a plan together to pay the loan off inside the bankruptcy.
Conversely, suppose the creditor has repossessed your vehicle and resold it for less than the loan amount. In that case, the lender may pursue what is known as a deficiency judgment against you, in which you have to pay the remaining balance.
Finally, if your car was repossessed and you had personal property in it, and the creditor is unwilling to return it. In that case, a repossession lawyer can pursue legal action against the creditor to help you recover your belongings.
What Can I Do if I Think My Vehicle Was Wrongfully Repossessed?
Wrongful repossession is a common issue in Texas, leaving many owners scrambling to determine how to recover their vehicles. Wrongful repossession can occur due to numerous factors, including companies that are more concerned about seizing vehicles rather than verifying facts. It is worth noting that a repossession agent typically earns a fee for every vehicle they repossess, which can lead to an emphasis on profits rather than accuracy.
If you feel that your vehicle was wrongfully repossessed, there are several steps that you can take, including:
- Contact the lender immediately to discuss the repossession, clearly state that your car should not have been seized, and that you want your vehicle returned immediately
- Keep a detailed record of all communications with the lender. Be sure to include the date, time, name of the agent you spoke with, and details of the conversation
- Gather evidence such as proof of payment that supports your claim
- Contact a car repossession attorney immediately, who can provide sound legal advice
Our attorney and staff are familiar with the predatory practices that creditors often use to repo vehicles. Kisch Law Firm, PLLC, has extensive experience helping victims of wrongful repossession redeem their vehicles and will fight to ensure your rights are protected.
Contact Kisch Law Firm, PLLC, Today to Learn How We Can Help With Your Repossession Case
A skilled repossession attorney is familiar with the legal intricacies involved when a creditor seizes your vehicles through wrongful repossession. Your attorney can take measures to determine if the repossession process was handled correctly and what legal options apply to your case.
Kisch Law Firm, PLLC, has comprehensive experience helping clients with their legal needs. Our skilled attorney and legal team have the skills and training to prevent repossession or attempt to redeem your vehicle. Additionally, we can advise you on your legal options to help protect your investment.
Contact our Houston, TX law firm today at 844-417-6343 to schedule a complimentary case evaluation, allowing us to determine the best legal options to suit your needs.