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How can I avoid repossession?

Produced by Mariah Jennings-Rampsi, South Coastal Counties Legal Services, with funding from American College of Bankruptcy Foundation
Reviewed December 2019

You should avoid repossession if you can.

  • Get your payments up to date.
  • Ask your lender for a repayment plan to help catch up with missed payments.
  • If your loan is less than 5 years, you may be able to use bankruptcy to lower the payments.

Your lender cannot "breach the peace" to repossess a vehicle. What does "breach the peace" mean? Your lender cannot break into a locked garage to take the car.


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