"Florida Repossession Laws" Discussion
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763 Members Online · 5,543+ PostsProfessional Q&As for "Florida Repossession Laws"
Upsolve Community Member
2021-11-16
Hi there, maybe someone can help me understand the laws a little better. I bought a car in 2015. Shortly after, I lost my job and the vehicle was repossessed. Today, exactly 6 years later, I received paperwork saying I'm being sued for the amount owed on the vehicle. Is that legal? Can they really sue me this many years later? Also I bought the vehicle in Arizona and it was repossessed in Arizona. I've lived in Florida since 2015.
Upsolve Community Member
2021-11-30
Voluntary surrender of vehicle in Florida
Community Replies:
Upsolve Community Member
This might help you find what you're looking for, Alli! https://upsolve.org/learn/surrender-car-bankruptcy/
Upsolve Community Member
If you're not sure if you're filing bankruptcy, yet, check out https://upsolve.org/learn/florida-repo-law/ in our Learning Center to find out how it works in the Sunshine State.
Upsolve Community Member
Sometimes, it’s best to surrender. In Florida, you’re allowed a “voluntary repossession” process to surrender your car. This means that you’ll voluntarily give the lender the car.
Upsolve Community Member
2021-12-01
If I am actually in Florida but live in Indiana which state do I use??? They just repoed my car and now I am stuck, can filing get my car back so I can get back home???
Community Replies:
Upsolve Community Member
Have you been in Florida at least 91 days?
Upsolve Community Member
This article explains what's important to consider when https://upsolve.org/learn/bankruptcy-after-moving/.
Upsolve Community Member
This might help too! https://upsolve.org/learn/car-repossession-101/ Thanks for asking!
Upsolve Community Member
2021-09-23
Where do I find the link to courts requirements in my state? I need to know how many copies do I bring to courthouse in Florida as well as other requirements 🤔
Community Replies:
Upsolve Community Member
Hi Denise, thank you for your question! This article may help: http://www.flmb.uscourts.gov/filing_without_attorney_1/pages/index.html Also, you can always contact the court directly with any questions you have!
Upsolve Community Member
Thanks
Upsolve Community Member
You may also find this article from our Help Center useful: https://help.upsolve.org/hc/en-us/articles/360037844153-How-to-submit-your-creditor-matrix-to-the-court-in-the-Middle-District-of-Florida
Upsolve Community Member
Upsolve is great and will guide you through everything.
Upsolve Community Member
2021-11-15
I am trying to figure out if a bank garnishment in califorina cCan garnish my bank in flordia?
Community Replies:
Upsolve Community Member
This might help! https://upsolve.org/learn/will-bankruptcy-stop-a-levy/
Upsolve Community Member
https://upsolve.org/learn/stop-florida-wage-garnishment-with-bankruptcy/
Community Replies:
Upsolve Community Member
Unfortunately, even after a vehicle is repossessed, it's still possible to owe money on the vehicle. If there's still a balance after the car is sold, that balance would still generally be owed. You can learn more here: https://upsolve.org/learn/car-repossession-101/
Upsolve Community Member
Upsolve has a number of articles you might find helpful on lawsuits from creditors- this one could be a good place to start: https://upsolve.org/learn/how-to-deal-with-debt-collector-lawsuit/
Upsolve Community Member
It all depends on the deadline to sue under the Arizona https://upsolve.org/learn/statute-of-limitations-debt/.
Upsolve Community Member
Statute of limitations on breah of contract is exactly 6 years so they did this within time limits set in law.