Vehicle Repossession Legal Guidance

Summary

In Louisiana, a lienholder can repossess a vehicle if payments are not made and must notify the owner before selling it. If the vehicle is sold for less than the loan amount, the lienholder can sue for the difference. If you cannot afford to pay, the court may establish a payment plan, reduce the amount owed, or declare you judgment proof. Ignoring the issue could lead to wage garnishment or a lien on your property. Consult a local attorney for personalized advice.

Full Conversation

So I was call trying make payment over the phone for a while but everytime I called someone answered n hang up but they towed the car in sold the car now they are sue me
I'm sorry to hear about your situation, ****. To provide you with the best possible information, can you tell me in which state this occurred? Laws regarding towing and selling vehicles can vary by location.
So I was call trying make payment over the phone for a while but everytime I called someone answered n hang up but they towed the car in sold the car now they are sue me
I understand your situation, ****. Can you please tell me the state where this incident occurred? This is necessary to provide you with accurate legal information.
Louisiana
I see. In Louisiana:
- A lienholder can repossess the vehicle if the owner fails to pay.
- They must send notice before selling it.
- If it's sold for less than owed, they can sue for the difference.
Please consult a local attorney for personalized advice.
Ok
Hello ****, it sounds like a complex situation. As per Louisiana law:
- A lienholder can repossess the vehicle if payments are not made.
- The lienholder must notify you before selling the vehicle.
- They can sue you if the vehicle was sold for less than the loan amount.
Please consult a local attorney for further advice.
What happened if I don't have the money
If you cannot afford to pay, it's essential to let the court know. They may:
- Establish a payment plan.
- Possibly reduce the amount owed.
- In extreme cases, declare you "judgment proof."
Remember, ignoring the issue could lead to wage garnishment or a lien on your property. Consult an attorney for advice.