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Law Office of Philip R. Boardman PC, Attorneys & Lawyers Bankruptcy, Hampton, VA


Did a creditor take your property to pay off your debts?

If you have had your property repossessed or are facing potential repossession of property, then you may permanently lose your vehicle or any other item that was used as collateral for your loan. You may only have a short window to get back your possessions, so don't hesitate to contact The Law Office of Philip R. Boardman, P.C. as soon as possible! We are experienced attorneys with extensive qualifiactions.

  • Thousands of clients have been able to get back their possession and resolve their financial issues with our help.
  • Our legal team has over a decade of legal experience.
  • We are extensively trained and actively pursue further knowledge with the Tidewater Bankruptcy Bar Association.
  • We are able to practice multiple jurisdictions: Virginia, Florida, Georgia, and the District of Columbia.

When you work with our firm, you will be working with dedicated lawyers who want to mitigate the stress in your life as much as possible. We will work hard to help you gain back the property that was taken or avoid repossession at all costs. We are proud to offer outstanding representation to all Hampton and Newport News area clients.

Click here to schedule a free in-office consultation.

You Have a Limited Time to Act! Contact Our Firm Now!

If you know that this month may be tight on money or that you are going to miss this payment, it is extremely important that you contact an attorney from the Law Office of Philip R. Boardman, P.C. right away. Our team will work quickly to help you put a hold on the repossession process.

If you contact us within two weeks of the property being repossessed, we may be able to help you retain the property by working with the creditor to have you pay off the premium or cost of the property instead of the rest of the payment. Although this time in your life may be stressful, you have options and rights. You need to contact a Hampton bankruptcy attorney from the Law Office of Philip R. Boardman, P.C. right away and schedule a free case evaluation with a trusted lawyer.

guide you through the process by helping you maximize your assets and choosing the best course of action.

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FAQs about Repossession

Can a creditor legally repossess my property?

Anytime that you borrow money or purchase property on time, the creditor can potentially take the property back if you fail to make payments or you are delinquent on payments. The repossession process happens quickly, so it is important that you act quickly as well.

When is a creditor allowed to repossess my property?

In the state of Virginia, a creditor or lender is not allowed to begin repossessing property until you are at least 10 days past due on your payments. A creditor does not have to give you notice that they are repossessing either; as long as you are at least 10 days past due and you have not made any attempts at paying late fees or outstanding payments, you could face repossession.

Are there rules for how a creditor can repossess my property?

When a creditor goes to repossess property, such as a vehicle, they may do so only if they do it legally and without breaching peace. There are no limits on the hours that repossession may take place, or where the repossession may happen. It is illegal for a creditor to attempt to take the property in the following manners:

  • by use of force or threat
  • by impersonating a police officer
  • by entering a home or refusing to leave a property when asked to leave

What items can be repossessed?

Creditors can only repossess certain items as collateral for their loan. Here is a list of common items that they may repossess:

  • Homes
  • Cars
  • Rent-to-own items
  • Property that was previously agreed upon as collateral

Creditors may not repossess items that were purchased with a credit card or that were not specifically agreed upon as collateral in a contract. A lawyer may also be able to show that the contract used to repossess your property was invalid, so get in touch with our firm and our bankruptcy attorneys can review your contract.

How can I get my property back after it was repossessed?

Unless there is a court order to repossess the property, you have the right to refuse the repossession and ask them to return with an order. If it is found that your rights were violated and the creditor acted in breach of peace while taking the property, you may be able to sue the creditor.

The Law Office of Philip R. Boardman, P.C. - Hampton Bankruptcy Lawyers
Located at 2017 Cunningham Drive, Suite 210 Hampton, VA 23666. View Map
Phone: (757) 209-2167 | Local Phone: (757) 826-2200.