How Repo911 Works
We make it easy to find out if your vehicle was wrongfully repossessed and connect you with an attorney who can help — all in three simple steps.
Tell Us What Happened
Fill out our simple questionnaire about your repossession experience. It takes about 5 minutes. We will ask about the circumstances of your repossession, how the repo company behaved, and whether your rights may have been violated.
- •Describe the circumstances of your repossession
- •Tell us about any aggressive or illegal behavior
- •Upload any evidence you have (photos, documents, videos)
- •Provide your contact information so an attorney can reach you
We Review Your Case
Our system analyzes your situation against federal and state repossession laws to determine if your rights were violated. We check for violations of the UCC, FDCPA, SCRA, and state consumer protection laws.
- •Your case is evaluated for breach of peace violations
- •We check for FDCPA and debt collection violations
- •Military service members are screened for SCRA protections
- •Your case is assigned a qualification tier based on violation strength
Get Connected to an Attorney
If your case shows signs of legal violations, we connect you with a licensed attorney in your state who specializes in consumer protection law. They will review your case and fight for your compensation.
- •A licensed attorney in your state reviews your case
- •The attorney contacts you directly to discuss next steps
- •You pay nothing unless the attorney wins your case
- •The attorney handles all legal proceedings on your behalf
Free Case Review
There is no cost to submit your case for review. You only pay if an attorney takes your case and wins.
Fast Response
Qualified cases are matched with attorneys quickly. Most consumers hear back within 24-48 hours.
No Upfront Fees
Attorneys in our network work on contingency. You pay nothing out of pocket — they only get paid if you win.
Common Repossession Violations
"The repo man broke into my garage"
Illegal Entry
Repo agents cannot enter locked structures like garages, gated properties, or closed buildings to seize a vehicle.
"I told them to stop but they took it anyway"
Breach of Peace
If you verbally object to the repossession and the agent continues, it may constitute an illegal breach of peace.
"They kept all my personal belongings"
Property Violation
Your personal property inside the vehicle must be returned to you. Charging fees to return belongings may also be illegal.
"I was on active military duty"
SCRA Violation
The Servicemembers Civil Relief Act provides special protections for active duty military. Repossession without a court order may be illegal.
"They called me at 3am threatening me"
FDCPA Violation
The Fair Debt Collection Practices Act prohibits harassment, threats, and calls at unreasonable hours by debt collectors.
"I never received any written notice"
Notice Violation
Many states require lenders to send a right-to-cure notice before repossession. Failing to do so may make the repo illegal.
Think Your Rights Were Violated?
It only takes 5 minutes to find out if you have a case. Our free case review costs you nothing and could be worth thousands.
This is not legal advice. Repo911 is not a law firm and does not provide legal representation. Results vary based on individual circumstances and applicable law.