• Vehicle Repossesions.

    Has Your Car or Other Item Been Repossessed?

    Few things can be as depressing as having your car repossessed. At Aucamps we can help. It is possible to get your car back if you act fast. You can also obtain compensation if the repossession agents breached the peace in retaking your vehicle. You are urged to contact a bankruptcy attorney for help.

    What to Do When You Learn Lender Intends to Repossess

    In the usual contract for a car loan, there is a provision where you agree to let the lender repossess the car if you fail to make a payment. If you receive notice that they intend to repossess your car, your best action is to contact them and pay up. If you have experienced hardship and cannot make the payments at the level originally agreed to, it is possible to seek a modification of the original agreement. As your attorneys, we negotiate with the loan company to reduce your payments to what you can afford.

    Breach of the Peace in Repossession Forbidden

    Should the repo agents come to take the car, they may not cause a breach of the peace. This means they may not take it over your objections. They cannot use force and certainly may not haul it away with you in it.

    Repossession Attorney Helps Clients after Repossession

    Once they take the car, you have a short time to reclaim the car. We can help you in this action. It is often necessary to pay off the entire loan but we can negotiate for you to be able to "cure" the default by a satisfactory payment and commitment to resume payments faithfully.

    After repossession, a sale is usually set within 10 or more days. At the sale, the car is auctioned. The loan company is likely then to sue you for a deficiency judgment for the amount of the outstanding loan plus repossession costs less the money recouped in the sale. We can defend you against this suit and counterclaim for damages for any breach of the peace that occurred in the repossession.

  • Sandton Offices

    8th Floor Fredman Towers
    13 Fredman Drive
    Sandton, Gauteng
    Republic Of South Africa
    Tel: 011 784 2463 / 4
    Email: rudi@aucamps.co.za
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  • Kempton Park Offices

    1 Duvenhage street
    Kempton Park
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