Legal Question in Credit and Debt Law in New Jersey

Re: voluntary car reposession

You haven't given enough info to give you a detailed reply. As an example, there are differences depending on whether this was a consumer (personal, family or household purposes)or business transaction and there could be an issue with the statute of limitations (the time in which the creditor can sue you). Also, (if this was a consumer transaction)the attorney who is suing you should have sent you a letter before instituting suit giving you the opportunity to dispute the debt. The creditor had to abide by the UCC and dispose of the vehicle in a commercially reasonable manner. It also had to give you notices after the repo and after the sale. You should probably get all your info together and speak with an attorney based on the amount you are being sued for.

Glen H. Chulsky, Esq.

www.njconsumerfraudlawyers.com