PRACTICE OVERVIEW
Protecting North Carolina Drivers from Unlawful Repossession and Lender Abuse in Charlotte & Kinston
Having your vehicle repossessed can be overwhelming and financially devastating—especially if your rights were violated in the process. At The Emory Law Firm, our experienced auto repossession lawyers in Charlotte and Kinston, North Carolina fight to protect consumers from unlawful repossession practices and seek compensation when lenders and repo agents break the law.
Your Rights Under North Carolina Repossession Law
In North Carolina, lenders have the legal right to repossess a vehicle without court involvement if you default on your auto loan. However, they must follow strict rules during the repossession process. When these rights are violated, you may be entitled to legal remedies, including having your vehicle returned or receiving financial compensation.
Unlawful Repossession: Know the Warning Signs
A repossession may be illegal or “wrongful” if any of the following occur:
- No default: You were not actually behind on payments or had an active agreement in place.
- Breach of the peace: The repo agent used threats, force, or intimidation.
- Property damage: Your vehicle was taken in a way that damaged your personal or real property.
- Improper notice: You were not given proper notice of default or sale.
- Repossessed from a locked garage or private property without consent.
- Failure to return personal belongings left in the vehicle.
If your rights were violated, our attorneys can help hold the lender accountable and pursue damages under the Uniform Commercial Code (UCC) and the Fair Debt Collection Practices Act (FDCPA).
How The Emory Law Firm Can Help
We represent consumers facing auto repossession issues throughout North Carolina. Our legal team can assist with:
- Challenging a wrongful or unlawful repossession
- Negotiating reinstatement or redemption of the vehicle
- Filing a lawsuit for damages caused by an illegal repossession
- Ensuring fair treatment in post-repossession vehicle sales
- Defending against creditor harassment or abusive debt collection tactics
We Handle Buy-Here-Pay-Here and Subprime Auto Loans
Many auto repossession cases involve high-interest loans from buy-here-pay-here dealers or subprime lenders. These arrangements often include unfair terms, hidden fees, and predatory practices. If you feel taken advantage of, our legal team will fight to protect your rights and financial future.
Time Is Critical—Take Action Quickly
After a repossession, there may be limited time to reclaim your vehicle, challenge the lender’s actions, or stop a vehicle auction. Acting quickly can help preserve your options and potentially reverse the damage.
Serving Charlotte, Kinston & Surrounding Communities
The Emory Law Firm is proud to advocate for consumers across Charlotte, Kinston, Mecklenburg County, Lenoir County, and beyond. We understand how much you rely on your vehicle—and we’re committed to helping you stand up against unlawful repossession.
Contact Our Auto Repossession Lawyers Today
If your car, truck, or SUV was repossessed under questionable circumstances, don’t wait. Let our experienced legal team evaluate your case and fight to protect your rights.
Charlotte Office
11020 David Taylor Dr, Suite 102
Charlotte, NC 28262
Phone: (704) 371-4333
Kinston Office
2422 N. Herritage Street
Kinston, NC 28501
Phone: (704) 324-8500
You have rights—even after repossession. Let The Emory Law Firm help you take them back.