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Can I get my car back?

Produced by Will Komos, Ryan Metz, Kelsea Schimmel with attorney assistance from Raven Moeslinger
Created February, 2021

The 4 ways to get your car back after it was repossessed are:

  1. Pay your full loan within 20 days after your car was repossessed. You also have to pay repossession costs and storage fees.  See Will they give me back my car if I pay what I owe after they take it?
  2. Buy your car at auction. See Can I buy my car at auction?
  3. Take the lender to court if they did something illegal. Or
  4. File for bankruptcy. If you file for bankruptcy, usually the lender can only sell your car if they get permission from the court. See Bankruptcy

Will they give me back my car if I pay what I owe after they take it?

After the lender repossesses your car, you have at least 20 days to get your car back. You may have to pay back the entire loan plus repossession costs and storage fees.

If you file for bankruptcy soon after your car was repossessed, you may also be able to get your car back.

Call your lender and ask if they can offer you another way to get your car back.

Can I buy my car at auction?

You have 21 days from the date on the “Rights of Defaulting Buyer” notice to pay back what you owe.  You also have 20 days after the lender repossesses your car to pay back the entire loan plus repossession costs and storage fees.  If you do not, your lender may sell your car at auction.

If it goes to auction, you can bid to buy your car.

Can I get back the stuff I have in my car?

Yes.  But they can charge you a fee for holding your things. Ask your lender where your personal property and car are.

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