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Repossession
State Laws

Can you get your belongings out of your vehicle after a repossession?

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Wiki User
2015-07-15 18:46:49
2015-07-15 18:46:49

YES, you can. The lender or repo company CANT keep your PP. They may charge you a fee for inventory and storage but they cant keep it.

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They should offer you a chance to get your belongings out of the car when they come to repossess it. Their repossession order covers the vehicle they're repossessing - it does not give them entitlement to your personal belongings.

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The repossession company is not responsible for returning belongings. The repossession company is responsible for notifying you where you can pick up your belongings and at what times. Some companies charge you a storage fee or only give you a few weeks to pick up your belongings before they become theirs.

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After repossession, the lien holder or agent sends information on how to reclaim the vehicle; if the owner does not respond or cannot repay the outstanding debt, the agent removes all personal belongings and sells the vehicle at auction. You will then be liable for the difference in what it sells for and the balance on the loan plus repossession fees.

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IN ANY STATE YOU MAY GET YOU THINGS AT THE TIME OF THE REPO OR YOU CAN GO TO THE YARD AND HAVE SOME ONE HELP YOU.

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Repossession companies must give you the opportunity to recover your personal belongings. That being said, they need not do so at the time of repossession. If they store your property for any length of time, the may charge a storage fee. They are not required to hold your property indefinitely either. If you make no attempt to recover you belongings, the repossession company will dispose of it after 30-45 days.


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