National legal protection against predatory auto loans and wrongful repossessions.
Are you struggling with a high-interest subprime auto loan or the immediate threat of a vehicle seizure? At Cannon Legal PLLC, we provide nationwide representation for consumers facing unfair lending practices and aggressive repossession tactics. We understand the tactics used by national auto lenders and “buy-here-pay-here” dealerships, and we are dedicated to ensuring your rights are protected under federal and state consumer protection laws.
Why Choose Cannon Legal PLLC
- Aggressive Consumer Advocacy Auto lenders have teams of lawyers; you should too. We level the playing field by aggressively using consumer protection laws to push back against massive financial institutions.
- Transparent, Flat-Fee Pricing Most firms hide their fees. We don’t. We offer clear, fixed pricing for reviews and demand letters so you can get legal help without fear of a surprise bill.
- Nationwide Experience, Local Power We have helped thousands of consumers across the United States. Whether it is federal lending laws or specific state regulations like the Texas Finance Code, we know exactly which levers to pull to protect your rights.
- We Pursue Maximum Penalties We don’t just want your car back; we want you compensated. If a repo agent breached the peace or a lender committed fraud, we fight for maximum financial damages, including statutory penalties and emotional distress.
Pricing / Cost
Legal fees are based on the work needed to be done.
Loan Review & Repo Investigation
Demand Letter Cost
Litigation Representation Cost
Debt Settlement Cost
Wrongful Repossession & Auto Lending
You might be. State and federal laws regulate subprime loans. If the terms were hidden, the interest rate was calculated illegally, or the dealer committed fraud, you have rights.
Yes. You may be able to sue for damages. This includes the cost of a rental car, damage to your credit report, and mental anguish. If the violation was intentional, you might be entitled to triple damages.
Repo agents cannot do whatever they want. A breach of the peace occurs if they use physical force, threaten you, damage your property (like breaking a lock or gate), or continue the repossession after you have clearly objected in person.
A repossession is illegal if you were not actually in default, if the lender failed to send the required notices, or if the repo agent committed a “breach of the peace” while taking the car.
It is crucial to act quickly. There are deadlines for taking legal action, and the sooner you contact an attorney, the better your chances of a favorable outcome.
You can find information on the websites of the Texas Office of Consumer Credit Commissioner (OCCC), the Federal Trade Commission (FTC), and TexasLawHelp.org. However, for specific legal advice, it is best to consult with a consumer credit attorney like the Cannon Legal PLLC.
Do not resist physically. However, you can clearly state that you do not consent to the repossession and document the interaction, including taking videos or photos if it is safe to do so. Then, contact an attorney immediately.
It is important to discuss this with your attorney. Generally, ceasing all communication and payment after a wrongful act can sometimes complicate your legal position.
The Texas Debt Collection Act (found in the Texas Finance Code Chapter 392) prohibits certain unfair or deceptive practices by debt collectors, including actions taken during a repossession. Violations of this Act can be pursued under the DTPA.
Texas law regulates auto lending, including subprime loans. You have the right to receive clear information about the loan terms, including the interest rate and fees. You also have rights related to default and repossession.
Yes, if your repossession was wrongful, you may be entitled to damages, which can include the value of the loss of use of your vehicle (rental costs), damage to your credit, mental anguish, and the value of any personal property that was in the car.. In some cases, you may also be able to recover treble damages.
You should contact a consumer law attorney immediately to discuss your situation. Cannon Legal PLLC can review your case and advise you on potential legal action, including suing for damages under the Texas Finance Code and the DTPA.
A breach of the peace occurs when the repossession agent’s actions go beyond simply taking the vehicle and involve things like entering a locked gate, causing a disturbance, or using threats
A repossession may be wrongful if you were not in default according to your loan agreement, if the lender failed to provide proper notice, or if the repossession involved a breach of the peace