Have you ever worried about losing your car because of missed payments? In Texas, vehicle repossessions affect thousands of people each year, with nearly 2.2 million cars repossessed nationwide annually. Understanding your rights under repossession laws in Texas can make the difference between losing your vehicle without recourse and having options to protect yourself.
At the Law Office of Joel Gonzalez, we help individuals facing repossession challenges by providing clear guidance and legal strategies. As a bankruptcy lawyer with experience in debt relief, Joel Gonzalez can help you understand the process and fight back when creditors act unfairly.
In this article, we’ll explain how repossession works in Texas, what your rights are, and when a repossession lawyer can step in to help.
How Repossession Works in Texas
In Texas, a creditor can repossess your vehicle if you fall behind on payments, but there are strict rules they must follow:
- No Breach of Peace: Creditors cannot break into your home, use threats, or cause physical confrontation during a repossession.
- Self-Help Repossession: Most repossessions happen without court involvement, usually through a towing company or repo agent hired by the lender.
- Notification After Repossession: The lender must provide notice of the sale and how much you owe. They are required to sell the vehicle in a commercially reasonable manner.
Failing to follow these rules can give you legal leverage to challenge the repossession or the sale of your vehicle.
When a Lawyer Can Help
A repossession attorney in Texas can step in at several stages:
- Pre-Repossession– If you know you’re behind on payments, a lawyer can negotiate with the lender to prevent repossession or arrange a payment plan.
- Challenging the Repossession– If the creditor violated repossession laws in Texas, we can help you fight the repossession or dispute charges.
- Post-Sale Remedies– After the vehicle is sold, a repossession lawyer can examine whether the sale was conducted fairly and ensure you’re not being overcharged for the deficiency balance.
Working with a repossession lawyer in Corpus Christi or elsewhere in Texas gives you the expertise to protect your rights and explore legal options that could save your vehicle or reduce your debt.
Protecting Your Rights and Planning Next Steps
If repossession feels imminent, it’s important to act quickly. A debt relief attorney in Corpus Christi can review your financial situation, explain how bankruptcy might provide relief, and work with you to protect your property.
Could you stop a repossession before it’s too late? By contacting the Law Office of Joel Gonzalez, we can evaluate your case and take steps to challenge wrongful actions, negotiate with creditors, or provide bankruptcy options. With a clear understanding of repossession laws in Texas, we help clients protect what’s theirs and move forward with confidence.
