Legal Question in Credit and Debt Law in Florida
"my car was repo sunday the 29th at 7:30pm last night and car payment was due on saturday the 28th can they repo the car with only being one day late cause i was told the florida law is it has too be 30 days late or more for them to repo the car"
2 Answers from Attorneys
From your described situation, it appears the auto was not repossessed in accordance with Florida law regarding late payments. However, in your financial contract there may be
a provision allowing repossession for failure to provide change of address, multiple late
payments, failure to respond to creditor requirements, etc. A detailed review of your
contract is required to fully advise you. Also, the notice re repossession should inform
you as to how you can have the auto returned to your possession.
The devil in always in the detail. Have a consumer lawyer look at your contract. Be aware that you have rights when your car is repossessed and most of the time the repo people violate the law.
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