Colorado Springs, CO asked in Animal / Dog Law, Banking, Collections and Consumer Law for Colorado

Q: Will a debt collection agency repossess my dog? how can I prevent that?

I fell behind on payments after losing my job.

The payments were towards a leasing agreement for a dog I purchased over a year ago. The amount on the lease was already much higher than the price that was listed on the dog but I didn't find out until after I signed the leasing agreement.

anyways I fell way behind on payments after losing my job so now my debt has been transferred to a 3rd party for collection.

Will they actually come to repossess my dog if I cannot pay the full amount?

Is there any way I can fight them on repossession?

1 Lawyer Answer
James L. Arrasmith
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  • Consumer Law Lawyer
  • Sacramento, CA

A: In Colorado, the legality of repossessing a pet under a lease agreement can be a complex issue. Typically, pets are considered personal property, but repossession of an animal raises ethical and legal questions that are distinct from repossessing inanimate objects. If your lease agreement specifically states that the dog can be repossessed due to non-payment, the collection agency might attempt to enforce this clause.

However, it's important to review the terms of the lease agreement and consult with a legal professional to understand your rights and options. You can try negotiating with the collection agency for a payment plan that is manageable for you. In some cases, agencies may be willing to work out an arrangement rather than pursue repossession.

Additionally, you might explore consumer protection laws in Colorado to see if there are any provisions that could apply to your situation. Promptly addressing this issue and seeking legal advice can help you explore the best course of action to protect your interests and your pet.

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