Repossession Law Blog

Do Car Repossessions Violate Stay-At-Home Orders?

March 25, 2020

States have taken actions to combat the spread of the Coronavirus which seem to greatly impact the repossession industry. In California, Governor Newsom signed a stay-at-home order requiring all Californians to stay in their place of residence except as needed to maintain continuity of operations of federal critical infrastructure sectors, including the financial services sector.…

Read More

Voluntary Repossessions of Motor Vehicles

March 16, 2020

Consumers sometimes consider voluntary repossessions or surrenders of their vehicles when they are unable to meet their payment obligations under their car notes or loans. A voluntary surrender occurs when the consumer contacts the finance company or lender and makes arrangements to turn over the vehicle. The creditor then may send a repossession company to…

Read More

Car Repossessions in Garages, Gated Communities or Gated Areas

August 19, 2019

A repossessor sometimes completes a repossession by following a car into a gated area or gated community (sometimes referred to as “piggybacking”), or the repossessor drives in when someone exits the gate. Both situations amount to a breach of the peace and are unlawful. California statutory law and caselaw define a breach of the peace…

Read More

Licensing Requirements for Repossessors

August 18, 2019

In California, a company needs a “repossession agency” license to locate or recover a vehicle. The licensing is provided by the Bureau of Security and Investigative Services (BSIS), a division of the California Department of Consumer Affairs. Acting as a repossession agency without a license is a crime and grounds for a civil lawsuit in…

Read More