Auto/Boat/Motorcycle Loan Defense
Are you being sued for defaulting on a car or boat loan? Are you currently upside down on your auto, boat or motorcycle loan? Banks and Other Lenders are filing lawsuits on defaulted automobile and boat loans by the thousands. Has your automobile, vehicle or been repossessed? Are you being threatened with repossession of your vehicle, boat or motorcycle? It is probably something you never envisioned happening.
Maybe you lost your job. Maybe you just went through a divorce or got injured in an accident or suffered some other unforeseen financially crippling and difficult setback.
Regardless of how you got into your current financial situation, it is time to learn your rights against creditors and banks and in the process explore your options. YOU ARE NOT ALONE!!! Getting you on the road to financial recovery is what we strive to achieve on your behalf at Johnson & Bryan.
The attorneys at Johnson & Bryan will zealously fight the banks, other lenders and collection companies and force them to prove their vehicle auto and boat loan lawsuits and that they are actually entitled to collect the debt and/or repossess your vehicle.
Remember…it was the banks and other lenders who filed a lawsuit. Thus the ultimate burden and right to collect is on the banks, other lenders and collection companies to prove their case. Ultimately, Johnson & Bryan will either force the banks and other lenders to dismiss their lawsuit due to lack of evidence substantiating their claims, or alternatively negotiate a settlement of the vehicle auto and boat loan at a substantially reduced amount which you can afford to pay under your personal economic situation.
After your vehicle, boat or motorcycle has been repossessed, you still have rights. Many times evidence is uncovered demonstrating repossession companies and other collection agencies violated your rights by breaching the peace during repossession, improper handling and storage of your vehicle, boat or motorcycle after repossession, unreasonable commercial public or private sale of your vehicle, boat or motorcycle. All of these events can give rise an ultimate dismissal of the bank or lenders lawsuit and case against you and in some events monies being recovered against the banks and lenders for substantial violations of these laws. Article 9 of the UCC protects your rights as a consumer and the lawyers of Johnson & Bryan will fight hard to protect and enforce those rights!!
Hiring an attorney at Johnson & Bryan is the first step to achieving peace of mind and reclaiming your life both financially and mentally.
Banks and their collection law firms file these vehicle and boat loan lawsuits in hopes you do not respond, and in the process catch you by surprise so they can obtain a default judgment. A default judgment is a form of binding conclusion by the Court granting an award of money in favor of the bank or lender when you do not answer the lawsuit. With this default judgment the bank or lender can attempt to garnish (i.e., deplete) your bank accounts and/or place a lien on your home. Additionally, the bank or other lender can have police officers come to your home and sell non-exempt assets such as TVs, equipment and other miscellaneous recreational items you worked hard for in life.
Default judgments are essentially a piece of paper, but can turn into a very embarrassing and humiliating situation if not given the proper consideration and attention. Hiring an attorney at Johnson & Bryan will ensure that the banks and lenders do not obtain a default judgment and prevent these other harassing and embarrassing collection efforts from occurring.
HERE ARE SOME OF THE BANKS AND AUTO LENDERS THE ATTORNEYS OF JOHNSON & BRYAN DEAL WITH ON A DAILY BASIS IN FIGHTING FOR YOU RIGHTS!!!
Capital One Auto Finance aka Capital One Bank (USA) N.A.
Americredit Financial Corp.
Toyota Financial Corp.
Fifth Third Bank
Ford Motor Credit
BMW Credit Financial
Various Federal Credit Unions (JSC, Gulf Coast, San Antonio)