Repossession Lawyer in Tuscaloosa, AL
Are you worried about losing your car or another piece of personal property to repossession? If so, you should act quickly. While the odds may seem stacked against you, there are options for keeping your property.
I am Attorney Marshall A. Entelisano, and I have 25+ years of experience helping people in situations just like yours. I know how stressful it can be to face the threat of repossession, and my priority is to find the right solution for your unique situation.
To find out how my team and I can serve you, schedule a free, no-obligation consultation. During this meeting, you can tell your story, meet me and my staff, and learn the next steps for partnering with us. We offer highly affordable debt relief services accessible to individuals, families, and businesses.
To speak with a Tuscaloosa repossession attorney you can trust to protect your property, call (659) 336-2597 or connect with my firm online.
Why Does Repossession Happen?
Repossession can happen if you fall behind on payments for a secured loan. These are backed by collateral—an asset the lender can recover if you do not make payments.
Beyond falling behind on loan payments, you could face repossession if you violate the terms of your loan agreement, such as properly insuring the collateral.
How Do You Know If Your Property Will Be Repossessed?
To know whether your property will be repossessed, you must read the terms of your loan agreement. They will explain what actions can trigger repossession and how long you have to act before it happens.
What Property Can Be Repossessed?
Many types of property can be repossessed, but it most often happens with personal vehicles. If you miss payments on your car loan, the lender can seize the vehicle and sell it to recover their losses.
However, other items that could be repossessed include:
- Boats
- Motorcycles
- Recreational vehicles (RVs)
- Furniture
- Electronics
- Jewelry
What Cannot Be Repossessed?
Certain items and assets have full or limited protection from repossession in Alabama:
- Personal property inside a vehicle - If your car is repossessed, you have the right to keep any personal items in it.
- Homes and land - Should you fall behind on your mortgage, you are not immediately at risk of repossession. Your lender must first go through foreclosure before repossessing your home or land.
- Peaceful repossession requirement - While not an exemption, creditors and repossession agents cannot use threats, violence, or force to repossess property.
Can a Business's Property Be Repossessed?
Yes, it can. When businesses get secured loans, lenders can identify assets, such as equipment, vehicles, or inventory, as collateral. If a business defaults on its loan, the lender can repossess this collateral property.
Your Options for Stopping Repossession & Recovering Repossessed Property
When faced with repossession, you may feel overwhelmed and unsure of what to do. It is important to know that you have several options for halting repossession and even recovering the property you have lost.
These options include:
Reaffirmation Agreement
You may enter a reaffirmation agreement with your lender. This is a new contract for repaying the loan that could feature reduced interest rates or payments.
Negotiating with Your Lender
In some cases, negotiating with your lender can yield an agreement that allows you to keep your property while catching up on missed payments. Before engaging in negotiation, it can be wise to consult an experienced attorney.
Filing for Bankruptcy
Filing for bankruptcy can halt repossession and other creditor actions (including collections, wage garnishment, and foreclosure). Additionally, you could recover repossessed property through bankruptcy. The viability of this option depends on your specific situation; request a free consultation at my firm to learn more about bankruptcy and whether it is right for you.
Challenging the Validity of the Repossession
If your lender or repossession agent did not follow proper procedures or violated laws during the repossession process, it may be possible to pursue legal action to recover your property and even damages and legal fees. Consulting an attorney before you pursue a case against a lender or repossession agent is essential.
Speak with a Tuscaloosa Repossession Attorney About Your Case
Repossession is a serious issue that can greatly impact your financial and personal life. Do not face it alone; reach out to The Law Firm of Marshall A. Entelisano for compassionate advocacy backed by decades of experience. My firm proudly serves individuals, families, and small business owners throughout Tuscaloosa County.
Schedule your free, no-obligation consultation today. Call (659) 336-2597 or get in touch online.
Why Choose The Law Firm of Marshall A. Entelisano?
Proven Success, Thousands Helped
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Compassionate Guidance, Honest SolutionsWe understand the stress of financial struggles and are here to help with honesty and care. You’ll work directly with an experienced attorney who provides clear, upfront guidance—no hidden fees, no surprises.
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Trusted Debt Relief in AlabamaFor over 25 years, we've helped thousands of people just like you eliminate financial stress, stop creditor harassment, and regain control of their future. We don’t just provide legal solutions—we offer hope and a clear path forward.
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Convenient Payment PlansWe believe financial relief should be accessible to everyone. That’s why we offer flexible payment plans to fit your budget, so you can get the help you need without added stress.
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We Provide Free ConsultationsWe offer a completely free and confidential consultation to discuss your financial situation and find a path to relief. Whenever you're ready, we're here!
