Legal Question in Credit and Debt Law in Massachusetts

Re: summons for money owed on repo car

Contact your local legal aid office or bar association whose numbers can be found in your telephone book yellow pages or on line to see if you qualify for an attorney to answer what has been served upon you and perhaps to determine if you have defenses to the repossesion that may still be available.

If your only income is child support and SSI both are exempt from levy on any execution obtained but you should get personal legal advise from an attorney representing you to whom you can reveal your full financial circumstances. Good Luck!

Re: summons for money owed on repo car

I would need more information before providing you with any specific legal advice.

But generally: make sure that you answer the complaint and/or appear in court, as required. Ignoring it will only make things worse.

If what they sent you was a civil complaint, you may want to contact them and see if they will settle and dismiss the case against you for 50% or 60% of what you owe - - which saves you both money and the headache of a trial.

Re: summons for money owed on repo car

Assuming the creditor obtains a judgment against you for the "deficiency" owed, you may be judgment proof ( meaning you have no non exempt assets which the creditor can seize to satisfy the judgment). Also, the creditor may be barred from pursuing a deficiency judgment against you if the difference between the value of the car and the amount of the loan is less than $2000. Please feel free to contact my office for a free initial consult based on the facts of your specific situation.