If you are struggling to make car payments, you may be worried about vehicle repossession laws in Tennessee. You may be wondering what will happen if your vehicle is repossessed and what your rights are. Our team will discuss the laws surrounding vehicle repossession laws in Tennessee, tips on avoiding repossession, and what to do if your vehicle is repossessed.
How to Avoid Car Repossession
Tennessee is a self-help state, which means your lender doesn't have to notify you before sending someone for your car. Lenders are also not required to obtain a court order to repossess your car. Generally, most lenders start the repossession process once you're in default – usually at least 90 days past due on a payment. The lender holds the right to repossess the vehicle while the borrower is in default. However, the lender or agent may not repossess a vehicle if it breaches the peace. Breaching the peace includes;
- Use of physical force,
- Entering a dwelling without permission,
- Otherwise using threats or intimidation.
Steps to Take After Repossession
If you are struggling to make your car payments, you may also be having difficulties with other debts such as medical bills or credit cards. You may want to consider filing for bankruptcy. Filing for Chapter 13 bankruptcy stops creditors from taking any further action against you, including repossessing your vehicle.
If your vehicle gets repossessed, you should contact an experienced attorney as soon as possible. An attorney will help you understand the legal process and your rights under the law.
How The Law Offices Of Mayer & Newton can Help You
If you are facing repossession or have had your vehicle repossessed, The Law Offices Of Mayer & Newton can help. We are a team of experienced attorneys who have helped many people in your situation. We will work with you to understand your options and help you protect your rights.