Wrongful Repossession Attorney Standing Up For Consumer Rights

If your car was taken without proper notice or under threatening circumstances, you may be the victim of wrongful repossession. Florida law protects consumers from these tactics.

I’m Christopher Hunt, a St. Petersburg consumer rights attorney, and I focus on holding lenders and repo agents accountable when they break the law. I represent consumers across Florida who need a strong advocate to fight back.

With a background in finance, real estate and litigation, I understand how auto lending works and how repossession companies sometimes abuse the system. My job is to protect your rights, stop the harm and pursue all available compensation for you.

What Is Wrongful Repossession In Florida?

Wrongful repossession happens when a lender or repossession company takes your vehicle without following legal requirements. Common examples include:

• Taking the wrong car or repossessing when you’re not behind on payments
• Seizing a vehicle that is exempt from repossession
• Removing a car while the owner is present inside the vehicle
• Ignoring proper notice requirements under Florida law

Repossession agents must comply with the Florida Uniform Commercial Code (Chapter 679) and federal laws like the Fair Debt Collection Practices Act (FDCPA). If they fail to do so, you may be entitled to damages.

What Does “Breach Of Peace” Mean?

Repossession companies cannot breach the peace during an auto repossession. This includes:

• Using physical force or threats of force
• Breaking into locked garages or buildings
• Violating other laws during repossession or post-repossession procedures

If a repo agent breaches the peace, you may have a claim for actual and statutory damages under state and federal law. These protections exist to keep consumers safe from intimidation and unlawful conduct.

Rightful Compensation For Wrongful Repossession

If your rights were violated, you may be able to recover:

• Actual damages for financial loss and emotional distress
• Statutory damages under the FDCPA and Florida law
• Attorney fees and costs

Holding lenders and repo agents accountable not only protects you; it also helps prevent future abuses.

Frequently Asked Questions About Wrongful Repossession

Here are some answers to common questions that come up about this topic:

My car is being repossessed, but I don’t know why. What can I do?

Immediate steps to take would be to start recording, preferably video recording, and tell the repo agent that you object. Document everything and contact a wrongful repossession attorney such as myself immediately to review your case and uphold your rights.

I have paid my car loan payments on time. Why is my car being towed?

This may be a wrongful repo. Gather proof of payments and call a knowledgeable lawyer to stop the repossession and recover damages.

I was physically assaulted by the repo agent. Now what?

Call law enforcement first, then seek legal help. Breach of peace involving physical force is illegal and may entitle you to compensation.

Take Action Before It’s Too Late

If you believe you’ve experienced wrongful auto repossession, contact the Law Office of Christopher Hunt today for your free consultation. Call me at 727-335-3121. I stand ready to fight for your rights and hold violators accountable.