There are a few ways to get your car back from repo in Wisconsin.
1. Redeem the vehicle. This means paying the entire balance of the loan, plus any fees and expenses incurred by the lender. You have 15 days from the date of repossession to redeem your vehicle.
2. Reinstate the loan. This means bringing your loan current by paying all of the past-due payments, plus any fees and expenses incurred by the lender, and depending on the loan - make an advance payment for future installments.
3. File for bankruptcy. Filing for Chapter 13 bankruptcy, can also be used to get your vehicle back.
4. Sue the lender. If you believe that the lender violated your rights during the repossession process, you may be able to sue them. You may be able to recover damages for the loss of your car, as well as other damages.
If you have had your car repossessed, it is important to speak with an attorney to discuss your options. An attorney can help you understand your rights and help you get your car back.
Here are some additional tips for getting your car back from repo in Wisconsin:
- Be prepared to negotiate with the lender. The lender may be willing to work with you to get your car back, especially if you have a good payment history.
- Be aware of your rights. The lender must follow certain rules when repossessing your car. If they violate your rights, you may be able to sue them.
- Get help from an attorney. An attorney can help you understand your rights and help you get your car back.
Attorney Nathan DeLadurantey offers free consultations to explain your legal rights in Wisconsin. Free consultations can be scheduled online.