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California repo laws and rules provide how and where a vehicle can be repossessed. If you are behind on your vehicle payments and are afraid your vehicle will be repossessed you need to act quickly. Bankruptcy will prevent the repossession of your vehicle and even reduce the amount of the loan and interest rate paid depending upon the circumstances. Schedule a FREE PHONE CONSULTATION or FREE OFFICE CONSULTATION and find out if bankruptcy is right for you. 1-877-963-9543
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Ryan C. Wood, Partner
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When Can a Vehicle Be Repossessed?
If you missed even one payment a loan company has the right to repossess the collateral, the vehicle, given that you are in default of the loan agreement. Once the repossession order has been issued a repo company can attempt to take back the vehicle anytime of the day or night.
Where can a Repo Company Take a Vehicle From?
A repo company can take a vehicle from any public or private place as long as they do not enter a building or secured gated area. If the repo company obtain permission from the owner of the property to enter a private building or secured area they may take the vehicle. If the vehicle is accessible they can take it. They cannot enter your garage and take the vehicle. They cannot unlock a gate to a driveway or parking lot to take back a vehicle. A repo company cannot breach the peace the take a vehicle back either.
No False Representations or False Documents
A repo company is not allowed to make any false representations when and attempting to repossess a vehicle. They must not try and represent they are part of any government unit or are an attorney. There can be no representation that something is legally possible when it actually is not legally possible. No false documents can be presented or used to repossess or attempt to repossess a vehicle.
With offices in Redwood City, bankruptcy lawyers in San Francisco, San Jose, Fremont and Oakland we represent clients throughout the Bay Area including San Mateo County, Santa Clara County, Alameda County, Contra Costa County, Burlingame, Daly City, Foster City, Half Moon Bay, Millbrae, Pacifica, Redwood City, San Bruno, San Mateo, South San Francisco, Cupertino, Gilroy, Los Gatos, Milpitas, Mountain View, Palo Alto, Santa Clara, Sunnyvale, Concord, Danville, Martinez, Pittsburg, Pleasant Hill, Richmond, San Pablo, San Ramon, Walnut Creek, Berkeley, Dublin, Hayward, Livermore, Pleasanton, San Leandro and Union City.
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