Fredericksburg, VA asked in Bankruptcy and Consumer Law for Virginia

Q: My car was repossed

I never received the 10 day notice giving me time to come up with the needed funds to pay. the letter was drafted on 6/29/18 and I received it on 7/6/18 what are my rights please help.

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3 Lawyer Answers

Robert R Weed

Answered
  • Bankruptcy Lawyer
  • Annandale, VA
  • Licensed in Virginia

A: If you never received the 10 day notice letter, then WHAT was drafted on 6/29 and received on 7/6. I'm missing step I need to answer your question.

L. Ilaine Upton

PREMIUM
Answered
  • Bankruptcy Lawyer
  • Annandale, VA
  • Licensed in Virginia

A: The lende does not have to give you notice before repossessing your car, just before they auction it. If the car hasn’t been auctioned yet, ask the lender how much money they need to give you back your car. Expect to pay repo fees. If you can’t come up with the money now, you can file Chapter 13, get the car back, and pay the money you owe over time. You need an experienced Chapter 13 lawyer for this. Good luck.

Timothy Denison

Answered
  • Bankruptcy Lawyer
  • Louisville, KY

A: Contact lender and arrange to pay arrearage in return of car.

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