"Repossession Fees" Discussion

Upsolve Community Member
Hi Christian, it depends on the contracts and the fees and costs. I think the article https://upsolve.org/learn/owe-after-repossession/ will help answer your question. If after reading the article you think you are owed money, you might want to consider talking to a https://upsolve.org/learn/what-is-a-consumer-protection-attorney/. 

Upsolve Community Member
Generally speaking, if there truly is a surplus, it would be yours- but there are often fees and costs associated with repossession that make this unlikely 

Upsolve Community Member
You'll probably need to review the documents carefully to see what happened in this case- it might be that there were fees for storing the vehicle, costs for the auction, or other fees 

Upsolve Community Member
Hi Nataya, I think the article https://upsolve.org/learn/should-i-file-bankruptcy-after-repo/ will help answer your question. It explains different options and scenarios involving car repossession and bankruptcy. 

Upsolve Community Member
Hello Nataya! Check out this article from the Upsolve Learning Center. Review it and see if this answers your question or, at least, brings you closer to deciding when to file. https://upsolve.org/learn/car-repossession-101/ hope this helps! :-) 

Upsolve Community Member
Hope those articles help! Please let us know if you have any other questions! 

Upsolve Community Member
Upsolve can help you with Chapter 7 Bankruptcy.  If your car has already been repossessed it might be to late to keep it. Here is a great read on can you keep your car https://upsolve.org/learn/can-keep-car-file-bankruptcy/

Upsolve Community Member
Jacob, thanks for sharing that article. 

Upsolve Community Member
I tried to turn mine in too.  They'll just ignore you and come get it very early one morning or in the middle of the night.  just clear out all of you belongings or they will be lost.

Upsolve Community Member
Hi Shelly, here is an article found in Upsolve's Learning Center: https://upsolve.org/learn/car-repossession-101/. This should answer most of your questions about the repo man! Good luck ahead! :-)

Upsolve Community Member
Hello! When mine was done I worked with the creditor for a convienant time. Technically from the date you file your bankruptcy they cannot reposses for 60 days unless you sign a waiver of that right for that specific car. 

Upsolve Community Member
Tyler, that's a great MOVE on your part to be ahead of the curve by contacting the Lender FIRST and making convenient arrangements. :-)

Upsolve Community Member
Thank you Tyler. Will do that. 

Upsolve Community Member
I'm not an expert by any means but when you choose the condition of the vehicle when looking up the value, just pick one of the lowest conditions regardless of drivability a salvage title will lower the value so it evens out. Stuff like that isnt to stress over when filing. No worries.

Upsolve Community Member
Michelle, thanks for asking and Hannah thanks for that helpful answer! 

Upsolve Community Member
These articles could also be useful? https://upsolve.org/learn/how-redeem-car/ and https://upsolve.org/learn/car-repossession-101/