Vehicle Repossession in Florida: Know Your Rights


Vehicle repossession occurs when a lender takes back a car after a borrower defaults on the loan—such as missing payments or failing to maintain insurance. In Florida, lenders can repossess a vehicle without a court order, but it must be done without breaching the peace.

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Vehicle repossession can be a stressful and confusing experience for Florida car owners. When borrowers miss payments or fail to maintain required insurance, lenders may legally repossess the vehicle. However, under Florida law, repossession must be carried out peacefully — without threats, force, or entering locked property. Any of these actions can amount to a breach of the peace, giving borrowers the right to pursue legal action.

After a repossession, consumers should receive a notice of intent to sell and a deficiency notice if the vehicle’s sale doesn’t cover the remaining loan balance. Borrowers also have the right to redeem their vehicle by paying off the balance before the sale.

If your vehicle was repossessed improperly, or if your lender or repo agent broke the law, you may be entitled to compensation. Contact an experienced Auto Fraud Attorney Florida or Consumer Protection Lawyer who understands Florida’s vehicle finance and repossession laws.

Our firm also handles related consumer auto fraud cases, including Odometer Fraud Attorney Florida, Lemon Law Attorney, Frame Damage, Auto Fraud Attorney Washington, and Odometer Fraud Attorney Washington claims. We fight to protect consumers from deceptive dealerships, fraudulent sellers, and illegal repossession practices across Florida and Washington.

Website: https://sueyourdealer.com

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