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

Related Topics:
2 Lawyer Answers

Andy Wayne Williamson

  • 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

Alex McClure

  • 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.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.