- Check your paperwork. When you take out a loan to purchase a car, the lender will provide you with a variety of paperwork, including the loan agreement and the title. The loan agreement will state the name of the lender and the terms of the loan, while the title will list the owner of the car. If your car has been repossessed, the lender will have filed a lien against the car with the Department of Motor Vehicles (DMV). You can contact the DMV to obtain a copy of the lien, which will list the name and contact information of the lender.
- Contact your lender. If you are not sure who owns the car, you can contact your lender and ask. The lender will be able to tell you if they have repossessed the car and, if so, they will provide you with the name and contact information of the repossession agency.
- Check with the police. If you believe that your car has been stolen, you can file a report with the police. The police will be able to investigate the matter and, if they find that the car was repossessed, they will provide you with the name and contact information of the repossession agency.
- Search online. There are a number of online resources that can help you find information about repossession agencies. The Better Business Bureau (BBB) and the National Association of Consumer Advocates (NACA) both offer databases that list repossession agencies and their contact information. You can also search for repossession agencies on Google or Yelp.
- Ask your neighbors. If you know your car has been repossessed but do not know who did it, ask your neighbors if they saw anything. They may have seen the repossession agency's truck or they may have even gotten a look at the driver. If they have any information, write it down and include it in your police report.
Once you have found out who repossessed your car, you can contact them to discuss the matter. You may be able to negotiate a payment plan to get your car back, or you may be able to file for bankruptcy to protect yourself from further debt.
