How to Get a Repo'd Vehicle Back

A re-possessed car is not necessarily gone for good, but consumers must act quickly to get a repo'd vehicle back. The procedure varies depending on the state in which you live, but most jurisdictions provide opportunities to get the car back if certain guidelines are met. If you are not able to negotiate favorable terms with the creditor, you will be able to get your personal possessions from the vehicle, such as electronics, maps and anything else kept in the car at the time it was re-possessed.

Instructions

1

Verify that the car has been re-possessed. Contact your lender to make sure they are responsible for the missing vehicle. Let them know that you are interested in getting the car back.

2

Determine the outstanding balance on the loan. In order to get a repo'd vehicle back in most jurisdictions, you must be able to remit the outstanding balance to the lender.

3

Ask about other fees required to get the repo'd vehicle back. According to Consumer Action, the loan company can insist you pay the entire loan on the vehicle rather than just the balance owed, as well as any expenses they incurred during repossession.

4

Find out if you are eligible to get the repo'd vehicle back. In some areas, such as Los Angeles County, loan companies can refuse to give back a re-possessed car if certain criteria exist, such as a prior re-possession within twelve months or trying to hide the vehicle from the re-possession company.

5

Pay the balance on the loan and any other fees the loan company requires. Make sure you get a receipt for any funds remitted and that you receive the title to the car if you pay it off in full.