[{"@context":"http:\/\/schema.org","@type":"BlogPosting","name":"Repossession","headline":"Repossession","dateModified":"2024-11-08","datePublished":"2019-06-20","wordCount":482,"url":"https:\/\/www.lawtoncates.com\/blog\/repossession\/","description":"Attorney Briane Pagel blogs about ways you can protect yourself against repossession. Missing payments on your auto loan\u00a0doesn\u2019t mean you have to lose your car.\u00a0Wisconsin law offers protections for auto owners who are struggling financially, and lenders who do not follow the rules may have to\u00a0give you back all the money you\u2019ve paid them, plus let you keep your car. Our lawyers are familiar with Wisconsin laws such as the Wisconsin Consumer Act and other rules that provide special protections for people who are unable to make payments on their vehicle loans.\u00a0These rules mean\u00a0you don\u2019t have to turn your car [\u2026]","mainEntityOfPage":"https:\/\/www.lawtoncates.com\/blog\/repossession\/","articleBody":"Attorney Briane Pagel blogs about ways you can protect yourself against repossession.Missing payments on your auto loan\u00a0doesn\u2019t mean you have to lose your car.\u00a0Wisconsin law offers protections for auto owners who are struggling financially, and lenders who do not follow the rules may have to\u00a0give you back all the money you\u2019ve paid them, plus let you keep your car.Our lawyers are familiar with Wisconsin laws such as the Wisconsin Consumer Act and other rules that provide special protections for people who are unable to make payments on their vehicle loans.\u00a0These rules mean\u00a0you don\u2019t have to turn your car over,\u00a0you can\u00a0demand a court hearing before losing your car, and you may not have to pay\u00a0anything\u00a0if the lender hasn\u2019t treated you fairly.Over the past few years our lawyers have obtained hundreds of thousands of dollars in damage awards for our clients who were at risk of losing their vehicles, and often can do so\u00a0without charging you any money.If you have missed payments on your vehicle loan, had a vehicle repossessed, or are worried that you will in the future, call now to consult with our experienced consumer protection attorneys and let us guide you through this process.Even before you call, here are some steps you can take to protect your rights in your vehicle:Don\u2019t surrender your vehicle to anyone. You do not have to turn over your vehicle to a lender or anyone else unless they have a court order requiring you to do so. If someone tries to get you to turn your vehicle in, or tells you they are going to take it,\u00a0tell them you object to their taking the vehicle, and then call our lawyers. Often simply saying you object to their taking car will make them legally unable to seize your vehicle.Demand written notice of your rights.\u00a0Most vehicle purchases are governed by a Wisconsin law that requires a\u00a0written\u00a0notice of any problems the lender claims exist on your loan, with a period of time for you to examine the claims and rectify any problems. If your lender is saying there is a problem on your loan (such as a missed payment) demand proof in writing.Limit harassing phone calls.\u00a0Tell anyone who contacts you about a loan problem that they must contact you in writing, and that they cannot call your cell phone or call you at work. Under certain state and federal laws, collectors may be subject to claims for damages if they contact you after you tell them this.\u00a0Hiring us as your lawyers can further limit those calls, so don\u2019t wait to call us.Lenders and debt collectors have limits on what they can do to repossess your vehicle.\u00a0Let our lawyers help protect your family\u2019s transportation. Call us now.","about":"Consumer Protection","author":{"@type":"Person","image":{"@type":"ImageObject","url":"https:\/\/secure.gravatar.com\/avatar\/2f34718d3c46ee2833d3ccf83f7221a0?s=96&d=mm&r=g","height":96,"width":96,"@id":"https:\/\/secure.gravatar.com\/avatar\/2f34718d3c46ee2833d3ccf83f7221a0?s=96&d=mm&r=g"},"url":"https:\/\/www.lawtoncates.com\/blog\/author\/lawtoncates\/","name":"LawtonCates","identifier":7,"@id":"https:\/\/www.lawtoncates.com\/blog\/author\/lawtoncates\/#Person"},"image":{"@type":"ImageObject","url":"https:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/04\/lawton-cates-attorneys.jpg","height":550,"width":694,"@id":"https:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/04\/lawton-cates-attorneys.jpg"},"publisher":{"@type":"Organization","logo":{"@type":"ImageObject","url":"https:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/03\/lawtoncates-logo.png","height":73,"width":438,"@id":"https:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/03\/lawtoncates-logo.png"},"name":"LawtonCates, S.C.","@id":"https:\/\/www.lawtoncates.com\/blog\/repossession\/#Organization1"},"@id":"https:\/\/www.lawtoncates.com\/blog\/repossession\/#BlogPosting"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.lawtoncates.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Repossession","item":"https:\/\/www.lawtoncates.com\/blog\/repossession\/#breadcrumbitem"}]}]