Not necessarily. If the lender follows the proper procedures and gives you the required notice, they can repossess your car without going to court. However, if you believe that the lender violated your rights, you can file a lawsuit in court. You may be able to recover damages for the loss of your car, as well as other damages.
Here are some of the things you need to know about car repossession in Wisconsin:
- The lender must give you written notice of the repossession at least 15 days before it happens.
- The lender must give you the opportunity to cure the default, which means bringing your loan current.
- The lender must not breach the peace while taking your vehicle.
If the lender violates any of these rules, you may be able to file a lawsuit in court. You may be able to recover damages for the loss of your car, as well as other damages.
It is important to speak with an attorney to discuss your rights if you have had your car repossessed. An attorney can help you understand your rights and help you get your car back.