Articles & Guides
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Car Repossession FAQs — Real Answers to Real Questions
Answers to the most common questions about car repossession — from how many payments you can miss to what happens after your car is taken. Includes links to free tools to help you act fast.
Predatory Auto Loans: How Dealerships Trap Young Buyers
Learn how car dealerships push young buyers into unaffordable, high-interest auto loans by inflating income or falsifying documents — and what to do if it happened to you.
How to Get a Car Loan With a Repo on Your Record
Step-by-step guide to getting approved for an auto loan with a repossession in your credit history, including subprime lenders and cosigner strategies.
What Is an Auto Loan Hardship Program?
Learn how auto loan hardship programs work, who qualifies, and how they can help you avoid repossession during financial difficulties.
Can You Buy a Car After a Repossession?
Yes, you can buy a car after repossession. Learn how lenders view past repos, what to expect for approval, and how to prepare your finances.
Car Loan Forbearance Explained: How It Works and When to Use It
Learn what car loan forbearance is, how it differs from hardship programs, when to request it, and how it affects your credit score.
Car Payment Relief Options That Actually Work
Compare legitimate car payment relief programs vs. scams. Learn which options help you avoid repossession and which to avoid.
How a Car Repossession Impacts Your Credit Score
Learn exactly how car repossession affects your credit score, how long it stays on your report, and strategies to minimize the damage.
How to Deal With Deficiency Debt After Repossession
Practical strategies for handling deficiency debt after car repossession—negotiation, settlement, payment plans, and when to seek debt relief help.
How to Defer Car Payments During Financial Hardship
Step-by-step guide to requesting a car payment deferral, what documentation you need, and what to avoid when dealing with your lender.
What Is a Deficiency Balance After Repossession?
Learn what a deficiency balance is, how it's calculated after your car is repossessed, and what legal rights borrowers have.
Can a Deficiency Balance Be Forgiven?
Learn when deficiency balances can be forgiven, how lender forgiveness programs work, statute of limitations rules, and tax implications of forgiven debt.
How Long Can Lenders Collect After a Repo?
Understand statute of limitations on deficiency judgments by state, how long lenders can pursue collection, and when debt becomes uncollectible.
Car Repossession & Auto Loan Glossary
Complete glossary of car repossession, auto loan, and debt collection terms. Understand the language lenders, debt collectors, and repo agents use.
Help With Car Payments: 6 Real Options to Ask Your Lender
Struggling with car payments? Discover six proven ways to get temporary relief, reduce your monthly payment, or avoid default with your lender.
How to Negotiate a Deficiency Balance After Repo
Step-by-step guide to negotiating your deficiency balance after car repossession, including scripts, tactics, and real settlement examples.
How to Rebuild Credit After Repossession
Step-by-step roadmap for rebuilding your credit score after a car repossession, including credit reports, secured cards, and realistic timelines.
How Long It Takes to Rebuild Credit After a Repo
Set realistic expectations for credit recovery after repossession. Learn typical timelines, milestones, and what factors speed up or slow down your progress.
Your Rights When Your Car Is Repossessed
Understand your consumer rights before, during, and after car repossession so you don't get taken advantage of.
Car Repossession Laws by State (2025 Update)
A plain-English, state-by-state guide to car repossession rules: notices, right to reinstate, redemption, and deficiency balances—plus what to do next.
How Long Before a Car Is Repossessed?
Find out how many missed payments trigger repossession and what lenders usually do before taking your vehicle.
How to Stop a Car Repossession (Full Guide)
Learn every legal and practical way to stop your car from being repossessed, plus what to say to your lender and your rights by state.
Can You Stop a Repossession After Missing a Payment?
Missed a car payment? Here's what you can still do to delay or stop repossession.
Need help right now?
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