Legal Question in Consumer Law in Massachusetts
I bought a car in Florida using a finance company and then moved to Massachusetts . The car is registered and kept in MA. I was late on the payments and they repossessed the car from my house. Which repo laws apply? In MA there is a right to give notice for repo before it is done but there is not in Florida. Also they told me that I could have the car back if I payed two back payments and two extra payments plus repo fees when it was first repoed. Then they told me I needed proof of employment to get it back and I only get paid cash working for a family business and they knew this at the time I was given the loan. I didnt have pay stubs back then when I got it and I dont have them now. Now two days before they are going to sell it they decided that now I need to pay everything I owe on the car because I dont have proof of employment. I was ready to pay the first deal they gave me and they just took it all back. What are my legal options at this point?
Also on the official repo letter I got in the mail they wrote it was a 2003 honda it was a 2004 honda.
1 Answer from Attorneys
it is a choice of law that is usually present in your financing agreement.