Losing your car to an unlawful repossession is more than just an inconvenience. It disrupts nearly every area of your life. And if you don’t know Arizona automobile repossession laws, repo companies and lenders can violate your rights and repossess your car unlawfully.
You need an Arizona repossession lawyer to keep you from losing your car.
If you’re a victim of unlawful repossession and need an Arizona automobile repossession lawyer, contact Stone Rose Law. We provide complete legal services for all repo cases.
It doesn’t matter if you have late car payments, a car loan default, or a deficiency judgment against you. We’ll go after those who are going after you to get the best possible outcome for your case.
Fill out our online form or call Stone Rose Law at 480-561-0269 to schedule a free consultation with an Arizona car repossession attorney.
Unfortunately, auto lenders or repo agents can legally repossess your car. However, the state of Arizona enforces strict laws that make companies follow a rigid procedure before repossessing your vehicle. If the bank or repo agent violates the state guidelines or your rights, they can be liable for unlawful repossession.
For this reason, it is vital that you understand Arizona repossession laws, your rights, and what repossession companies can and can’t do when attempting to reclaim your car. Plus, you owe it to yourself to seek legal counsel and get the backing of a skilled lawyer for car repossession.
Here are some key Arizona repossession laws you should know to protect your rights.
| No breach of peace (ARS § 47-9609) | Repo agents cannot take your car using force, use force, threats, or violence. They must stop if you object. |
| No pre-repossession notice (ARS § 47-9609) | Creditors are not required to provide notice before repossessing your vehicle or to send a late notice. |
| Right to redeem (ARS § 47-9623) | You can redeem your vehicle by paying the total amount owed, including repossession costs. |
| Notice of sale required (ARS § 47-9613) | The creditor is allowed to sell a repossessed car. They must provide a written pre-sale notice of the private sale, including how, when, and where they sold it. |
| Deficiency liability (ARS § 47-9615) | Your problems may not end with repossession. If the sale price doesn’t cover the loan balance, the lender can pursue you for the remaining deficiency balance. |
You may believe lenders or repossession companies must go through Arizona courts to secure a repossessed vehicle. However, Arizona allows lenders to repossess your vehicle without a court order if you default on your loan payments. This is also known as self-help car repossession.
Self-help car repossession may limit your ability to turn to the court for leverage and narrow your options for keeping or redeeming your vehicle. Hiring an experienced Arizona car repossession lawyer can be the key to working through your case.
Even if the courts can’t help you, our law firm can.
Contact us today for a free case review before you lose your vehicle.
An Arizona repossession lawyer can provide strategic solutions that can help you keep your car.
Most lenders want to avoid the hassle of repossessing and reselling a car. Too much repossession can damage a lender’s reputation. Therefore, working with our law firm as we represent you during your case is in their best interest.
Here’s how we help you get the best outcome for your case:
Lenders hire attorneys and repo agents skilled at dealing with borrowers who default on a car loan. These companies can intimidate you, especially if you do not know the law or how to defend yourself.
We have handled hundreds of car repossession cases as aggressive advocates and know how to negotiate with companies to work out a solution in your favor.
Our attorneys will investigate your case to look for any irregularities in the loan agreement or the repossession. If the lender or repo company violates your rights or attempts an improper repossession, we can hold them accountable legally.
If you have an extreme case and are facing financial hardship, we can consider Chapter 13 bankruptcy as a possible solution. Through a restructured payment plan, you can keep your car while catching up on missed payments. Bankruptcy also prevents repossession companies from taking your car. We may also be able to negotiate lower monthly payments that fall within your budget.
We can also explore a redemption in a Chapter 7 bankruptcy if your vehicle loan is substantially greater than the vehicle’s value. To redeem a vehicle, you can pay off the loan at the fair market value, or we can refer you to a company to provide you with a redemption loan. Our experienced Bankruptcy Attorney can discuss these options with you.
If you anticipate being unable to make payments, we can contact the lender on your behalf before the situation results in repossession. Lenders are more likely to work with your attorney if you want to keep a car and work out a repayment plan.
Do not hesitate. Seek legal advice as soon as possible and let our law firm guide you through the legal process. Remember, it’s never too late to avoid auto repossession in Arizona, no matter how many missed payments you have.
Whether you’re in danger of losing your car or defaulting on the loan, it never hurts to get sound legal advice. Contact Stone Rose Law and let us help you protect your rights and keep your car. Fill out our online form or call Stone Rose Law for a free consultation from an Arizona car repossession attorney.
