Wrongful Auto Repossession Lawyer in Florida
If your vehicle was repossessed in Florida, the lender or repossession company may have violated state or federal law. Many repossessions are conducted unlawfully, even when a borrower is behind on payments. Our office represents consumers in wrongful repossession cases and helps them pursue compensation and other legal remedies.
Call (888) 877-5103 or contact us by email at: njtlaw@gmail.com for a free consultation on wrongful repossession.
What is a Wrongful Repossession in Florida?
A wrongful repossession occurs when a lender or repossession agent violates Florida law or federal consumer protection laws while taking a vehicle.
Examples of Illegal Repossession Conduct
- Repossession involving a breach of the peace
- Physical confrontation or threats by a repo agent
- Repossession from a locked garage or closed property
- Taking the wrong vehicle
- Repossession after payment was made
- Failure to provide required notices
- Loss or damage to personal property inside the vehicle
Call or text us at 888-877-5103 to schedule your free consultation. See our Contact Information.
For more information about this, please go to “Getting Your Personal Property Back After Repossession.?
Breach of the Peace in Repossession Cases
Florida law prohibits repossession agents from breaching the peace when taking a vehicle. The following circumstances may constitute a breach of peace.
- Any physical confrontation between the repossession agent and the vehicle owner or occupant
- Threats, intimidation, or aggressive behavior by the repossession agent
- Continuing the repossession after the debtor objects verbally or physically
- Forcing entry onto private property, including:
- Breaking locks
- Opening a closed or locked garage
- Cutting chains or barriers
- Entering a gated or fenced area without permission
- Repossession from inside a garage or enclosed structure
- Using deception or trickery to gain access to the vehicle
- Towing a vehicle while it is occupied
- Involving law enforcement improperly, such as:
- Claiming police authority when none exists
- Using police presence to intimidate or coerce compliance
- Repossession at a time or in a manner likely to provoke violence
- Ignoring clear protests or resistance by the vehicle owner
- Causing a disturbance that attracts bystanders or escalates tension
- Damaging property during the repossession process
- Seizing the wrong vehicle
- A breach of the peace is determined by the totality of the circumstances, and even one improper act by a repossession agent can make the repossession unlawful.
Legal Remedies for Wrongful Repossession
- Monetary damages
- Recovery of personal property
- Statutory damages under consumer protection laws
- Attorney’s fees and costs
- Possible return of the vehicle in appropriate cases
What to Do If Your Car Is Wrongfully Repossessed
- Do not confront the repo agent.
- Preserve notices, receipts and communication
- Taking the wrong vehicle
- Repossession after payment was made
- Failure to provide required notices
- Contact a consumer rights attorney
Call Us at 888-877-5103 for a free consultation
How an Attorney Can Help
Auto repossession cases are time sensitive. The sooner you act, the more options may be available. We offer consultations to review your situation and explain your rights
Call or text us at 888-877-5103 for a free consultation.