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Vehicle Repossess in Wisconsin

Vehicle About to be Repossessed?

  • Has your vehicle been repossessed?
  • Is it about to be repossessed?

Hard times happen and perhaps you've fallen behind on your vehicle payments. It doesn't matter if your vehicle has been taken yet (or not!), as you may have legal rights to protect you. Talking with a lawyer prior to your vehicle repossession will help educate you on the important rights and options you have as a Wisconsin consumer. Knowing your rights is a free consultation away.

Argument with Repo Man?

  • Get into an argument with the repo man?
  • Were the police called?

I've handled cases with all of these situations, including the police handcuffing consumers so that the repossession could happen. Violence, arguments, and confrontation are not permitted under Wisconsin's strong consumer protection laws. Protect your rights to the car under Wisconsin's consumer protection laws and make sure your vehicle wasn't taken from you in an illegal way. Many people have watched reality television shows starring repo men – these shows are not how repossessions are legally allowed to work. If you had any interaction with the repossession agents, you may have important legal rights to enforce. I have also sued many different repossession companies as well, including AssetsBiz, Repo Inc., Bonafide Recovery, Location Services, and others.

No Warning before the Repossession?

Wisconsin law requires certain pre-repossession letters and notices for most loans. Other laws require the lender possess the vehicle without dispute. People fall behind on payments for a number of reasons, so let's talk about your situation and what I can do to help. We'll talk about any letters you have received related to the repossession and if those letters follow the law. Your lender is required to follow the law and send you the proper notice before the
repossession. If they fail to send the proper notice, you may have the ability to sue them.
Knowing your rights (and duties) under the law are important; without them your lender may break the law without consequence.

I am often asked what lenders I have sued over the years. These lenders range from large companies (like Santander, Capital One, Credit Acceptance Corporation) to smaller regional lenders.

Here's what to expect during your free initial phone consult:

Calling a lawyer can be nerve-wracking. So here's a quick overview of what we'll discuss:

  1. Your car purchase, amount of money you borrowed, and the loan;
  2. Collection letters and calls that have occurred (if you have the letters, you can even text/email them over before/during our call!);
  3. If your car has been taken, how and when that repossession occurred; and
  4. If you have a case, how we can represent you. We take many cases on a contingency basis, meaning there is no retainer money for you to pay.

During our call I'll gather up some of the details about your situation in order to make sure your rights are protected. I'm happy to answer any questions you may have, and explain what your options.

How much does it cost to hire you?

  • So what happens if it turns out you have a case?
  • Do I have to pay you money to hire you?

These are common concerns with clients. I never charge for initial consultations – and most of my cases I take on a contingency basis. What this means is that most of my clients do not have to pay me a retainer (legal jargon for a deposit) to represent them. Many of the laws I use to protect consumer rights of Wisconsinites involve something called “fee shifting.” This means that my legal bills are “shifted” to the other side, allowing me to represent you without a retainer deposit. It's one of the best parts of my practice; being able to represent consumers that have been abused by their lender/repo agent and shifting my bill to the wrongdoers.

How do I get started?

Give me a call right away; it's important we talk as soon as possible. The goal is to gather and preserve the evidence from the repossession.

If your vehicle was illegally repossessed, you may be eligible for a lawsuit. The law provides for awards ranging from a free car, to the lender/repossession agent paying you money. I have settled cases and gotten Wisconsinites thousands of dollars; including jury verdicts in excess of $300,000.

The sooner you call, the sooner I can help. Even if you're not sure if you have a case or just want to understand your rights, I would be happy to chat with you. I handle and try cases all over Wisconsin. Let's jump on a call or video conference to discuss your situation.

 Contact me today for a Free Consultation.


The DeLadurantey Law Office, LLC is committed to answering your questions about Vehicle Repo's, Credit Report/Identity Theft, Auto Fraud, and Debt Collection Abuse law issues in Wisconsin.

I offer a free consultation and I’ll gladly discuss your case with you at your convenience. Contact me today to schedule an appointment.