It is crucial to act quickly. There are deadlines for taking legal action, and the sooner you contact an attorney, the better your chances of a favorable outcome.
Dealing with auto loans, especially subprime loans with high interest rates, can be overwhelming. And if your car has been repossessed, you may feel powerless. At Cannon Legal PLLC, we are dedicated to protecting the rights of Texas consumers facing unfair auto lending and repossession practices.
We help Texas consumers understand their rights and fight back against unfair auto lending and repossession practices. If your car was wrongfully repossessed, even if you were just slightly late on a payment or if the repossession was disruptive, we can help
We can help if:
How Cannon Legal PLLC Can Fight For You
Our experienced consumer law attorneys can:
It is crucial to act quickly. There are deadlines for taking legal action, and the sooner you contact an attorney, the better your chances of a favorable outcome.
Do not resist physically. However, you can clearly state that you do not consent to the repossession and document the interaction, including taking videos or photos if it is safe to do so. Then, contact an attorney immediately.
The Texas Debt Collection Act (found in the Texas Finance Code Chapter 392) prohibits certain unfair or deceptive practices by debt collectors, including actions taken during a repossession. Violations of this Act can be pursued under the DTPA.
Yes, if your repossession was wrongful, you may be entitled to damages. This compensation can include the value of the loss of use of your vehicle (rental costs), damage to your credit, mental anguish, and the value of any personal property that was in the car. In some cases, you may also be able to recover treble damages.
You should contact a consumer law attorney immediately to discuss your situation. Cannon Legal PLLC can review your case and advise you on potential legal action, including suing for damages under the Texas Finance Code and the DTPA.
A breach of the peace occurs when the repossession agent’s actions go beyond simply taking the vehicle and involve things like entering a locked gate, causing a disturbance, or using threats.
A repossession may be wrongful if you were not in default according to your loan agreement, if the lender failed to provide proper notice, or if the repossession involved a breach of the peace.