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if you are not up to date with your payments the vehicle is no longer yours and you have no legal right to it.

Addendum:

Technically, until your final payment and release of the lien, you do not own the vehicle at all. And, if you fall delinquent by a single day, likely per the contract, the full balance of the debt is due. The lender only repossesses the vehicle to deny you free use, AND to attempt to recover something.

You have a right to notification of repossession. You have a right to recover your personal property from the vehicle, provided you pay first all applicable storoage fees. Otherwise you are only entitled to the inventory list. You have a right to know the final disposition of the vehicle and the remaining balance owed.

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Q: What are your rights in the state of Virginia with repossession?
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Related questions

What are your rights in the State of Georgia in regards to car repossession?

lawhelp.org/GA


How late can a vehicle payment be in Virginia before repossession?

I am a repossession agent in Virginia it takes 2-3 months of not paying before the repossession status occurs.AnswerI am a repossession agent in Virginia it takes 1 missed payment then repossession status occurs.


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Can you carry legally a repossession agent badge in Virginia?

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Does the repossession company have to report the repossession to the police after the repossession?

I only know about the state of Massachusetts. And yes in our state they have one hour to report the repossession to the police department in the town of which the car was taken.


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