2. Check your loan agreement. Your loan agreement may specify what happens to your money if your car is repossessed. Lenders can also charge towing and storage fees. Some loan agreements allow lenders to keep any money that you have already paid if your car is repossessed.
3. Dispute the repossession. You may be able to dispute the repossession if you believe that it was illegal. The process for disputing depends on the state in which you live. You’ll generally file a civil complaint in superior court and serve a copy of the complaint on the creditor within one business day of filing it if a creditor or lienholder files an affidavit for possession for collateral covered by a security agreement
4. File a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB is a federal agency that investigates complaints about banks and other financial institutions. You can file a complaint with the CFPB if you believe that the lender did not follow the law when repossessing your car.
5. Consider hiring a lawyer. If you’re concerned about losing your car, you can contact an attorney to represent you. Lawyers who specialize in consumer law can advise you on whether the repossession was legal.
