What would you do if someone showed up at your home to take your car or property—and you weren’t ready for it? In Texas, where car loan delinquency rates have steadily increased, that question isn’t just hypothetical. Repossession can happen fast, and many people don’t realize they have legal options until it’s too late.
At the Law Office of Joel Gonzalez, we focus on helping individuals in Corpus Christi who are at risk of losing valuable property. As one of the more experienced solo attorneys in the area handling debt relief, Joel Gonzalez provides personalized, strategic support to help protect what matters most.
Here’s when you should hire a debt relief attorney. (Please link to LFPA1)
In this blog, we’ll explain what repossession means, what rights you have under Texas law, and how working with a repossession lawyer in Corpus Christi can help you keep your assets safe.
Understanding How Repossession Works
Repossession typically happens when a person defaults on a secured loan—most often for a car, but it can apply to other financed property. If you miss payments, the lender may seize the property without taking you to court.
However, repossession in Corpus Christi still has to follow certain rules:
- The lender cannot breach the peace—meaning they can’t use force, threaten you, or enter a closed garage to take the vehicle.
- They must act within legal limits, and any violations could make the repossession unlawful.
- After the repossession, the lender must notify you before selling the asset and inform you of your right to reclaim it.
Legal Steps You Can Take to Protect Your Assets
If you’re behind on payments and facing the risk of losing your property, here are some practical ways to protect your assets:
1. Know Your Rights
Texas law offers protections—but they only work if you understand them. Many people mistakenly believe lenders can do whatever they want. That’s not true.
2. Review Your Loan Agreement
Read the fine print. Some agreements allow the lender to repossess with little notice, while others require more steps. Knowing the details gives you leverage.
3. Request a Payment Arrangement
Some lenders are willing to negotiate a payment plan. Keep all communications in writing and don’t make promises you can’t keep.
4. Avoid Voluntary Repossession Without Counsel
Turning in your vehicle may seem like a quick fix, but it could still leave you responsible for the loan balance. Always speak with a repossession attorney before making that decision.
5. Contact a Repossession Lawyer Early
The sooner you get legal help, the more options you have. A lawyer can stop or delay the process and help you keep essential property.
Why Acting Early Matters
Waiting until the last minute can cost you more than just your car. Repossession can damage your credit, reduce your options for refinancing, and even put your job at risk if transportation is essential for work. By working with repossession lawyers in Texas who understand both the law and the local system, you can build a defense that fits your situation.
Facing the Risk of Losing Property? Here’s How You Can Fight Back
If you’re seeing missed payments add up and fearing the knock on the door, it’s time to act. Joel Gonzalez, at the Law Office of Joel Gonzalez, is one of the leading legal professionals focusing on debt protection strategies in Corpus Christi. As a solo attorney, he offers direct, personal attention—not layers of staff. Whether you’re dealing with an aggressive lender or trying to understand your rights, he provides real answers and legal solutions that work.
Contact the Law Office of Joel Gonzalez today to speak with a repossession lawyer in Corpus Christi who knows how to protect what you’ve worked hard to earn. We’re here to help you keep your assets and get your financial footing back on track.
