REPOSSESSIONS AREN’T JUST HITTING CONSUMERS ANYMORE…
Here in Florida, if you fall behind on your auto loan, the lender can repossess your car without notice, but they can’t breach the peace—that means no threats, no breaking into garages, no violence.
After repossession, you still have legal rights:
• You’re entitled to a notice before your car is sold.
• You may have the right to redeem your car.
• And under federal law, you’re protected from abusive or deceptive debt collection practices.
But here’s what’s new in 2025…
Dealers are getting repossessed, too!
That’s right—many car dealerships are overleveraged and now lenders are taking back unsold inventory. Some dealers are scrambling to stay afloat, and others may cut corners to move metal fast.
Buyers beware:
• Be cautious with cars that are deeply discounted — they may be headed for repo or already part of a financial mess.
• Don’t skip due diligence on titles, liens, and vehicle history.
• And never assume a dealer’s problems can’t become yours.
If your car has been repossessed — or you feel a dealer isn’t being honest — speak to someone who knows both sides of the law.
Joseph M. Dobkin, Attorney & Mediator
Fighting for Florida consumers — and watching the industry change daily.
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