Depending on how good you are at negotiating, you should either contact the lender OR a local attorney. You would be well served to have pics of the damage, statements from anyone who could vouch for the car NOT being damaged BEFORE the repo,ready before you contact anyone. Did anyone SEE the damage being done? Rem, the repo company is likely to say,"NO, we didnt do it". Soo who will convince the lender they did? You or your attorney. Good Luck
Every state requires repossession agents to carry insurance. If the vehicle is damaged during a repossession or especially a wrongful repossession, the agency that secured the unit must have it repaired at their own cost, or as a matter of insurance claim. Remember, do not sign for acceptance on the repairs until you are absolutely satisfied that they have been done properly.
Contact the lender, in person if possible. Have a written estimate of the damage done by the repossession company. See what the lender has to say about the damage to their vehicle, which until you pay off the loan they jointly own with you. Communicate with them and I am sure this can be worked out. Remember this would never have happened if you had not missed a payment. So keep that in mind. They still should not have damaged your car, but things happen.
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