If you’ve ever been in a tough financial situation, you may have had to deal with falling behind on your car payments or even losing your car. Getting your car taken away can hurt you in many ways. First, you won’t have a car, which may be your only way to get to work or other places you need to go. But it can also have a big effect on your finances since it can hurt your credit score and you may still owe money to your lender when everything is said and done.

If you are in danger of having your car taken away, it makes sense that you would want to do everything you can to stop it. In this article, we’ll tell you how you can keep your car from being taken away, as well as how you can’t.

How To Get Your Car Back After Car Repossession? 

Here are the steps you need to take to get your car back. If you follow these steps, you’ll have no trouble getting your car back. If you took out a loan to buy a car and haven’t made your payments on time, it’s clear why. But if you’re not like this, it could cause you a lot of trouble. Call your lender to find out why your car was taken away.

The next thing you should do is figure out how you can get your car back. Banks sometimes ask for full loan payment plus costs for repossession. Think twice before you pay for everything in full, because this can hurt your credit score in the long run.

Always check the rights and car repossession loopholes of your state. When your car is towed, you must think about whether certain things were in the car. For example, if you’ve left your laptop in the car. Like if you forgot your laptop in the car.

It can’t be kept or sold by the repo agency. They have to tell you how you can get those things back. You can send a demand letter to the repo agency if they break your rights.

10 Car Repossession Loopholes to Avoid Repossession


1. Store the Car in a Locked Garage

If you’re worried about getting your car taken away, putting it in a locked garage is one of the best things you can do. This will make it harder for the person who wants to take your car to find it and take it. The guy who comes to take your car doesn’t have permission to break into your garage. So, if you can hide the car, you might be able to keep it from being taken away.

Obviously, this doesn’t always work. If you don’t have a garage or your car is too big to fit in one, you’ll have to figure out something else. But if you have a garage, this is a great way to keep the bank from taking your car.

2. Lock it Away

Locking your car away somewhere safe is the best way to keep the repo man from taking it. You might put it in your garage so they can’t get to it without breaking in, which is illegal. But you should always keep the garage door closed and locked.

You might have other choices if you don’t have a garage. You can park it in a neighborhood with gates or behind a fence with chains. The company that takes back cars won’t be able to get to the car unless someone else lets them on the property.

3. Store the Car in a Chained or Gated Compound

Another way to avoid getting your car repossessed is to keep it in a locked or gated area. This will make it harder for the guy who is taking the car away to get to it, and it will also keep thieves away. The person coming to take your car can’t break or damage anything to get to it. This includes things like locks, fences, and gates.

If you live in a city, you might not be able to do this. But this is a great way to keep your car safe if you live in the country or have a storage unit. Again, not everyone has this choice. But if you can store your car somewhere safe, it’s something to think about.

4. Delete the Car’s GPS Tracker

Many newer cars have a tracker on them so that if they are stolen, it is easy to find them. But the company that takes back the car also gets access to this information, which makes it easier to find the car.

If you are sure you want to get rid of GPS tracking, you must first find it. Depending on what kind of car you have, look in the owner’s manual or do a web search. After the GPS tracker is taken off, make sure your car is parked somewhere safe, like a garage.

5. Lend Your Car to Your Neighbor

One way to try to avoid getting your car taken away is to give it to a neighbor to use or hide in their garage. Since you aren’t driving the car, you might be able to keep it from being repossessed for a short time.

6. Lend the Car to a Friend Out of State

If you have a friend who lives in another state, you can always borrow their car and give them yours. So, even if the repo man comes, they won’t be able to find the car because it’s in another state. Again, this is not a long-term solution, but it can buy you some time to pay off your loan.

When a car is out of state, it’s harder for the repo man to take it back, but they will take your car back as soon as they find it. And, of course, you and your friend should only do this if you trust each other.

7. Trade the Car for a Cheaper One

If you can’t afford your car payments, you can always trade it in for a cheaper one. This way, your car payment will be lower and you won’t have to worry about losing your car. You should use the difference to pay off your car loan. So, you will still own the car and won’t have to worry about it being taken away.

You can sell your car on your own or trade it in at a dealership. If you trade in the car, you’ll get less money for it. But you won’t have to worry about selling it on your own. So you sell it privately, you’ll get more money for it, but you’ll have to find a buyer yourself. If you’re having trouble making your car payments, this is a good option to think about.

8. Exchange with a Loved One

If you can trade cars with a friend or family member, you could buy them yourself sometime. Just keep in mind that GPS tracking can tell the company that wants to take your car where it is, so this fix might not last long.

If you don’t have a garage, you may want to trade cars with a neighbor instead. Maybe they’ll let you park your car in their garage next door.

9. Refinance your loan

When you refinance a loan, you replace the old one with a brand-new one. The bad news is that you’ll still owe the same amount of money as before. But the good news is that if you’re having trouble making your payments, refinancing may help you get a lower interest rate or lower monthly loan payment.

If your monthly payments are too high for your budget, you might want to look into a refinance.

10. Sell the vehicle

If you can’t make the loan payment but don’t want the car taken away, you might want to think about selling it. When the money from the sale is enough to pay off the loan, you can pay what you owe and stop the repossession.

Even if you have to sell the car and put in a little extra to get caught up, you will be glad that this isn’t on your record. Also, you won’t have to pay any extra fees that come with having your car taken away.

When Can Your Car Be Repossessed?

If you want to hide your car from the people who are coming to take it away, you need to know how they work. State and local laws, which can be different depending on where you live, must be followed by all agents. Because of this, it’s best to find out how things work in your area. Besides that, most people who do repossessions can do the following things without breaking the law:

  • Learn your regular routine and keep an eye on you to figure out where the car is.
  • Visit family and friends who might be able to hold the car for you.
  • You can give back the car from any public place, like your workplace or a store.
  • Get your car out of your driveway or wherever you have it parked.
  • As long as no laws are broken and no threats are made, the vehicle can be moved from private property.

Even if you hide the car from the creditor, you may still have to give it back. If your creditor decides to take you to court, the judge could order you to give the car to the agency. Because of this, you won’t be able to keep the car from being taken away forever.


Repossessing a car is a big deal, and it’s important to know what your rights and options are. If you are having trouble making your car payments, you might want to talk to your lender or sell your car. To hide your car from the person who wants to take it away is hard and usually not worth the risk.

If you hide your car, the repo man can do whatever it takes to get it back, as long as they don’t break the law, hurt you, or damage your property. You can sue the repo man if they break the law. Do you know how to keep your car from being taken away? Tell us in the comments section below!

Frequently Asked Questions (FAQs) about Car Repossession Loopholes

Can I lose my car even if I make some payments?

Even if you make some payments, a lender can still technically take your car back. But if you show that you are willing to pay when you can, the lender will be more likely to work with you and accept partial payments so that you don’t lose your car.

Can a repossessed item be taken back?

Through the right of redemption, you can get your car back if you pay off the whole loan balance to the lender.

Can you hide your car so it doesn’t get taken away?

Depending on where you live, you may or may not be able to park or hide your car in order to pay off your loan. In many states, it is not against the law to hide your car from the bank unless you are trying to trick them. In some states, it is still illegal to hide your car on purpose from a company that is trying to take it back.

Can I go to jail for hiding my car from the repo man?

If a court order says you have to give up the car and you don’t, you could go to jail for contempt of court.

How Long Will It Take Someone to Find My Car?

Most lenders will try to find the vehicle within 30 days, tow it to a tow lot, and then take it back.

How do I keep from having my car taken away?

You can keep your car from being taken away if you make up any payments you’ve missed or if you refinance your loan to make your payments more affordable.

How do I park my car so it doesn’t get taken away?

To keep your car from being repossessed, park it in a private garage. The repo man can still take your car if you go out in public because they are usually allowed to watch your house and follow you.

What Happens if the Guy Who Takes My Car Can’t Find It?

If the repo man never finds your car, your creditors can get a court order to force you to give it back. You will be charged with theft if you don’t follow this court order.

Should I pay off a car that was taken away?

Yes, I agree. By paying off a repossession, you can lower your credit score and get rid of the mark on your credit report.

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