Can a debt collector repo my car?

In California, a debt collector cannot repossess your car simply because you are behind on payments. In order to legally repossess your vehicle, the debt collector must have a court order. To obtain this order, they must follow certain guidelines set by Consumer Debt Defense Law. First, debt collectors must notify you in writing of their intention to repossess the car. This notice must include details such as the amount of debt that you owe and the date the debt is due. It must also inform you of your right to dispute the debt before the repossession can take place. As long as you are not in breach of your loan agreement, the debt collector must wait at least 30 days after sending this notice before attempting to claim your car. If you are in breach of the terms of the loan, the debt collector can take your vehicle as soon as the breach is identified. In addition, the debt collector must also notify you at least five days before repossessing the car. If the debt collector violates these rules, then you may be able to take legal action through Consumer Debt Defense Law and prevent the repossession. Overall, Consumer Debt Defense Law in California makes it very difficult for debt collectors to legally repossess your car. So, as long as you stay in line with the terms of the loan, you should have no problem keeping your car.

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