Daytona Beach, FL asked in Consumer Law for Florida

Q: Repo guy came to "repossess" my 21 y/o Harley which has never had a note on it. I've owned it since 2002.

I wasn't home so I didn't see the repo "paperwork" so I have NO idea who is looking for me. A VIN search shows my title as clear (no liens) and I am in possession of the title; I have never used the Harley or anything I own as collateral against another loan. Back in 2008 my ex-husband and I had a voluntary repossession with BOA for an RV we had a lemon law issue with (settled by attorneys). There was a deficiency balance, but nothing was ever filed against us. There are no judgments filed, nor have we ever been served any paperwork. It has been 8 years since they sold the RV so it seems it would be way past the SOL. But, the Harley was never used as security on the loan. I read the security agreement and the ONLY security mentioned in the contract was the RV itself. Both of our county records show no filings against us and no judgments. Our credit reports are clear. How can I find out who is trying to repo my bike? FLORIDA

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2 Lawyer Answers
Answered
  • Santa Rosa Beach, FL
  • Licensed in Florida

A: On the facts stated, that is no way to answer your question. I suggest that you consult with a consumer rights attorney in your area, and keep the bike under lock and key as best your can.

1 user found this answer helpful

Answered
  • Consumer Law Lawyer
  • Lake Mary, FL
  • Licensed in Florida

A: You should contact a consumer debt lawyer right away. You are calling this situation a repo, but it seems likely that it is a property levy being executed to satisfy a civil judgment. I have information on my website about this process if you care to have a look.

Although you tried to locate any judgments you may not know how to properly search the various databases.

Good luck to you.

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