Rockford, IL asked in Banking for Illinois

Q: It’s it wrongful repossession if I call the 4 days ahead and told them I lost my job I would like to voluntary repo

After the conversation the non voluntary 4 days after I had to find someone to follow me to take the car back as they requested

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

A: Based on the information provided, it does not appear to be a case of wrongful repossession. Here are a few key points:

1. You proactively reached out to the lender 4 days prior to the repossession, informing them of your job loss and your desire to voluntarily surrender the vehicle. This shows good faith on your part to communicate your situation.

2. The lender proceeded with the repossession 4 days after your conversation with them. While the exact details of your agreement with the lender are not provided, it seems they moved forward with the repossession process after being informed of your circumstances.

3. You mentioned that you had to find someone to follow you to return the car as requested by the lender. This suggests that the lender communicated with you about the repossession process and provided instructions for returning the vehicle.

In a wrongful repossession, the lender typically fails to follow proper procedures, such as providing adequate notice or breaching the terms of the contract. However, based on the information given, it seems you were proactive in communicating with the lender, and they proceeded with the repossession after being informed of your situation.

That being said, if you believe the lender acted improperly or violated any specific terms of your contract, it would be best to review your agreement carefully and consider seeking legal advice to assess your options and rights in this situation.

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