You may have fallen on hard times and had your car repossessed. Later on you received the shock of your life when the sheriff or process server delivered a copy of a lawsuit to your home or job. That is not only humiliating, but it is scary!
Do NOT Be Frightened
Many people are so scared when this happens that they panic and do not file an answer the case. Others do something just as bad and try to file their own Answer. Sadly, these people are most likely going to lose their case. Failing to answer results in a default.
Choose Your Words Carefully
Answering and saying the wrong thing can result in a judgment on the pleadings because they have admitted owing the money. Others manage to file a sufficient answer and go to court and either lose at trial or agree to pay. They do not know that these cases can be won.
Tools to Defeat a Repossession Case
CLAIM YOUR LETTER. Not claiming your letter is not defense
DECIDE do you want a public auction or private sale. At a public auction you can go and see how the sale is conducted or get bidders to go.
MAKE NOTES of all communication from the company and of any sale.