Asked in Criminal Law, Business Law and Civil Rights for Oklahoma

Q: Can my car get repossessed after one week of no payment in the state of Oklahoma?

I financed a car through a car lot. I was one week and 3days late then got threatening text messages from the financier saying they were going to call the authorities if they did not receive a payment I paid them half on Friday (the day of the call) and they agreed to receive the other half Monday when I got paid. Saturday morning they came and repossessed the vehicle. When I tried to pay the remaining balance on Monday plus a tow bill. they told me they did not feel comfortable giving me a loan anymore and if I wanted the vehicle I would have to pay in full? is this legal how can they do that I also have several things in my truck that they are not allowing me to get they will not even tell me where my vehicle is. I have filed a police report but the police said there was not much that they can do. What can I do legally.Because I feel cheated from this company and I just put $1,200 in the truck that same Friday. If they are repossessing the vehicle can I charge them my mechanic bill?

1 Lawyer Answer
Brian Boeheim
Brian Boeheim
  • Criminal Law Lawyer
  • Tulsa, OK
  • Licensed in Oklahoma

A: I would have to see your contract, but it appears as if they did not follow the Fair Debt Collection Practices Act. They cannot threaten criminal charges, or negotiate in my opinion negotiate for further payment only to repossess. You need an attorney to look at the contract and then potentially take them to small claims court.

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.