Repossession Defense Lawyers in St. Petersburg
Our Debt Relief Attorneys Are Here for You
Your car is one of the most important assets you own. The loss of a vehicle
could result in devastating financial consequences, severely impacting
your ability to pay your bills and take care of your family. If you are
behind on your car payments and are facing the possibility of a repossession,
you should immediately contact a St. Petersburg repossession attorney
at Boss Law. We are ready to review your financial situation and discuss
your options for getting past this difficult situation.
(727) 877-3188 today to schedule your free initial consultation.
Car Repossession Laws in Florida
When you lease or purchase a car, your creditor has the right to repossess
the vehicle if you fall behind on payments – and they don’t
require the permission of the court to do so. They do not even need to
warn you in advance. While creditors hold most of the rights in vehicle
repossession cases, consumers should know that they have some rights as well.
Consumers have the following rights:
Creditors are prohibited from committing a “breach of peace” in order to collect property. Although creditors have the legal authority to enter your property and
seize your vehicle without prior notification, they are not legally allowed
to use threats, force of threats, or breaking into a locked garage in
order to take the vehicle. If this happens, you may be entitled to compensation.
You do have the right to voluntarily give up your vehicle in exchange for
a reduction in creditor’s expenses in taking the vehicle, as well as a reduction in the amount you will owe
Once your vehicle is repossessed due to auto default, your creditor is
required to notify you about what will happen to your car. If the creditor decides to keep the
vehicle, you have the right to demand that it be sold instead. You may
wish to consider this option if your vehicle is worth more than the amount
still owed on the loan. Furthermore, you may have recourse if the creditor
attempts to sell the vehicle far below fair market value, or you may be
able to buy the vehicle back by paying the full amount owed plus expenses.
If you are sued by your creditor for a deficiency judgment, you have the
right to attend a hearing with a representative to raise a legal defense. If the creditor committed
a "breach of peace" in seizing your vehicle, they might not
have the right to collect a deficiency at all.
If you believe your car has been wrongfully repossessed, you can file a
complaint with the
Florida Attorneys General’s Office: (866) 9NO-SCAM.
Will I Still Owe Money If My Car Is Repossessed?
If your vehicle is repossessed and the lender sells it off in an auction,
but the sale does not cover what you owe the lender, you may still be
liable for the remaining balance. This is called a deficiency balance.
Filing for bankruptcy can help to eliminate deficiency balances from a
How Can I Prevent Repossession After a Missed Payment?
If you believe you may fall behind on a car payment, contact your creditor
as soon as possible. There may be several options available that can help
to prevent repossession:
- Many creditors will agree to delay your payment due date if they think
you will be able to pay later.
- You may also be able to negotiate an agreement with your creditor to modify
your original contract. If you do, make sure you get everything in writing
and that the agreement is signed by both you and the creditor.
Call Today to Get Started
If you are behind on payments, the time is now to take action. Call Boss
Law today to put an experienced legal team on your side. We can explore whether
bankruptcy is an option for you, or explore other debt relief options. Your rights
are our number one priority, and we are prepared to do what it takes to
help you keep your vehicle.
Are you ready to take the first step toward peace of mind? Contact us today at
to speak with our St. Petersburg auto default lawyers.