Summary
In Ohio, lenders can repossess a car after one missed payment but must follow specific rules, including not breaching the peace and notifying you about your right to redeem the vehicle. They must also sell the vehicle in a commercially reasonable manner. If youre having trouble retrieving personal belongings or dealing with loan issues, consult a Consumer Rights Attorney. The Ohio State Bar Association can help you find a local attorney.Full Conversation
Repossessed car
Hi Stacey, sorry to hear about your car. Could you please provide more details about your situation? Also, could I have your location to give you the most accurate information?
Was taken after one missed paymentohio
I'm sorry to hear about your situation, Stacey. In Ohio, lenders can repossess your car after just one missed payment. However, they must follow certain rules:
- They cannot breach the peace during the repossession.
- They must notify you about your right to redeem the vehicle.
- They must sell the vehicle in a commercially reasonable manner.
Well I’ve been given a hard time getting my belongings. I’ve been given a hard time getting my car back and now they sent it to the auction and then it says you can pay $*. The rest has to be put on the back of the loan they won’t do that because they said they’re not from Ohio.
I'm sorry to hear about your situation, Stacey. In Ohio, lenders are generally required to allow you to retrieve personal property from the vehicle. As for the loan, it's best to consult a local attorney for specific advice.
I was never contacted five days later 10 days later and I was never given a list of my belongings
I'm sorry to hear that, Stacey. In Ohio, there's no specific requirement for the lender to provide a list of your belongings. However, you're entitled to retrieve personal items. If they failed to allow this, you may be able to take legal action. Please consult a local attorney.
I can’t find a local attorney. That’s why I called you.
I understand your frustration, Stacey. You may want to consider contacting the Ohio State Bar Association. They can provide you with a referral to a local attorney who can help with your situation.
What kind of attorney is it called? What are they called?
The type of attorney you're looking for would be a "Consumer Rights Attorney" or a "Debtors' Rights Attorney". They specialize in helping consumers dealing with unfair practices related to debt and repossession.
Thank you
You're welcome, Stacey. If you have any more questions or need further clarification, feel free to ask. Best of luck with your situation.
TRY ME!
Start a new chat