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Answered 2006-08-21 15:40:06

If the gate is unlocked for any reason, the car can be repossessed. So, if we are talking about a gated apartment/community -- yes, as anyone can follow another car into the apartments or community. If we are talking about a locked garage, that is never opened...the car is not being driven at any time... then no. But you are going to have to have proof that someone broke in. Your word against a lender will not get it back. Remember, the repossession is being done, as payment has not been made--the car technically belongs to the lender until it is paid off.


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In most instances when you get behind on your payments. The exact details of when the lender will repossess the vehicle is listed in the contract you signed when you took out the loan on the vehicle. Read your contract with the lender.

They are not going to repossess a vehicle because you were rude. They can however repossess it if you miss just one payment.

No, not if the contract is in default. The lender/lienholder may repossess the vehicle under UCC laws as long as it can be accomplished without a breach of peace committed

Legally, only one. But your contract will tell you more.

The same way a loan company does, HIRE a REAL repo agency to do the job.

Not without a replevin order from the court of jurisdicition.

Can the police repossess your car? Can the police repossess your car?

Under Texas law, a vehicle may be repossessed even if payment was only late for 10 days. This means that is payment was due on the first day of the month, and payment has not been settled on the tenth, then, vehicle will be repossessed on the eleventh.

The car can only be repossessed from a locked garage if the car is spotted in the garage from a window or a crack, but the repo company cannot enter the garage if the car was not visibly spotted.

It is probably stated in your finance or lease agreement that if you don't make your payments on time that the finance company has the right to repossess the vehicle. Consider yourself informed. Long story short, if you don't want your vehicle repossessed you need to make your payments.

Are/were you listed on the TITLE as leinholder? Do you have a written contract listing the vehicle as collateral? If no to these two uestions, you should call a local attorney NOW.

Yes. A charge off does not mean that the debt is not still valid and subject to collection by any means available to the lender.

YES, IF your paperwork is in order, you can agree on a price and the unit is accessable. for Texas repo agents Please dont waste yours and the agents time with an EX-this, I want my car back thing. Barry can likely help you Did you have a contract signed between the two of you? Did it state that you could repossess it if they didn't make the payments? If not, you probably need to go visit the courthouse and prepare for a lawsuit against the person you gave the car to.

Legally if you miss 1 payment you are delinquent and they can start repossession proceedings on their vehicle.

If i have a vehicle repossessed in the state of texas, is there anything that requires me to pay off balance after vehicle is sold at auction?

A dealership willnot need to repossess a vehicle in any state unless it is a buy here pay here type dealership. If this is the case, the dealer should contact a local, private repossession company. Find one of the larger possible companies, this will offer more resources. Then leave it to them. It could take some time, but if you give them all the information you have on the debtor, they will find and secure your car.

Sample letter of vehicle repossession for the state of texas

Check your loan documents but they can if you are one day late. Most don't because they really want the money. Three to six months late on payments the REPO man will be looking for ya.

What is the Texas law for returning a new vehicle just purchased and found out you want to return it.

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