Repo companies often try to extort money from debtors. Don’t let them.
People come to me often looking for help dealing with debt left over after a car has been repossessed by a dealer, bank, or auto finance company. When I ask about the repossession itself, I very frequently hear something like this:
“They wouldn’t even let me get my stuff out of the car. Can they do that?”
No. They cannot.
If you bought a car on credit, then you took ownership of the vehicle subject to a security interest held by the dealer. A security interest basically means that you’re part-owner of the collateral. Your contract with them gives them certain rights regarding the collateral (the vehicle). The most important right they have is the right to repossess the vehicle when you default on the contract. And as you probably can guess, if you do indeed default on the contract, then they can indeed repossess the vehicle.
But there’s an important thing to remember: they have a security interest in the vehicle, not the items inside the vehicle.
This means that if your car is repossessed, and the repo man, dealer, or finance company has no right to take the property inside the vehicle. For example, if you left your purse in the car and the vehicle is repossessed, they have to give your purse back. They can either mail it to you or give you the opportunity to come and get it. If you call them and ask for your property, they have to make it available to you. It’s that simple. Also:
- They cannot require you to pay a fee in order to come get your property.
- They cannot require you to sign a waiver in order to get your property.
- They cannot take anything out of the vehicle – including any loan, sale, or warranty documents that you left in the vehicle after the sale. Your copies of the transaction documents are your copies. They cannot steal them.
- They can require you to schedule in advance a time to come retrieve your belongings, as long as their requirement is reasonable.
- They don’t have to hold onto your stuff forever. If you want your property back, call them as soon as you know they have it and demand it back immediately. If they refuse, write them a letter and send it certified mail.
- They can require you to sign a receipt that identifies the property that was returned. This is different from a release or a waiver of notices.
- They can charge you a storage fee for holding the goods if you don’t get them as soon as possible after the repossession.
Very often, subprime car dealers will utterly ignore the law. Dealers who are accustomed to customers who are ignorant of their rights and cannot afford an attorney know the law perfectly well, but also know from experience that they can usually steal their customers’ belongings without getting caught. Don’t be a willing victim. If you have tried to get your property back and they say something like “We can’t let you onto the premises” or “You’ll have to pay a $25 storage fee” or “You’ll have to sign a release.” That’s all bullshit. Call them on it.
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Hello, my car was repod over a car title loan and inside the car i have many important medical and court documents can i call the place that had my car and get my stuff out as well?
Delmer,
Yes, you should be able to obtain your items. If you live in Alabama, you can call me to discuss this. 251.272.9148.
JEC
They took my car while at work and it has my order in it and stuff, they never let me know anything I thought the car was stolen, this is the 3rf time this consider had got my car, first time I have pictures. Where they damaged front in, they charged me 75 dollars first time to reuse my stuff after full bill was paid and there sight wasn’t set up yet right, for two days we tried to make appointments. They always
I really needs to speak with you, please on multiple things that’s involving a home that was purchased .my phone number is 251-458-3804
Allie,
I’d be happy to talk to you. Call me at 251.272.9148.
JEC
This will be the 3td time I h have paid 85 dollars to get my stuff back. This time has my purse, with my medicine in it. So basically they have already committed extortion on me twice.
They aren’t allowed to take your stuff, even if the repo was otherwise legit.
Possession’s inside a repossessed vehicle, are they subject to any hippa laws? We asked as they came and towed away our truck if we could collect our items and we were told no by the tow company and that we had to call the creditor. We called, and we were told that no, we can’t come and get them until they go through and inventory all items in the truck. We had to wait 3 days to be able to retrieve them, and, that’s when we found out they went through each and every piece of paper we had in there.
This included social security numbers, bank account info, as well as other, confidential information about us. Is this allowed? I feel our right have been violated as we can’t be sure that the employees tasked with that job, didn’t write down info, read our mail, etc. We aren’t really sure exactly what was in there…is there anything I can do about this?
Thank you,
Nicole
Nicole,
I am honestly not sure if HIPAA applies to car dealers and repo companies, but there are other privacy laws, like the Gramm-Leach-Bliley act, which require that they protect personal information and let you know what they do with it. If you live in Alabama, feel free to call me to discuss this. 251.272.9148.
My car was repo yesterday, I called today and told them my mother would be there sometime this week to retrieve my childs car seat and the guy told me, “she’ll need to have my other key to the car.” Can they keep my child’s car seat over this key?? I have no way of getting this key back to them and I cannot have anyone take me as I do not have a car seat for my child now and my mother says she does not have the time to drive to my in laws to get the key for this guy.
Hannah,
I assume you’re in Alabama. They aren’t allowed to hold your belongings hostage for money or property. That’s extortion. If you’re in ALabama or the car is here, call me and we can discuss this.
My boyfriends car was repoed about a month ago with my purse in it. My social, license and other personal things were in my purse but the repo company refuses to give it to me. Can they do that? We live in California and they are charging us to get our things back.
Ana,
I am not licensed to practice law in California, so I cannot give you legal advice. I can say that in most states, they must make your personal belongings available to you at a reasonable time and place, and they can charge a reasonable fee if the contract allows them to do so. I recommend that you contact a California lawyer for legal advice on this matter. If you can’t find one, go to http://www.consumeradvocates.org, and you can look a consumer specialist up in your zip code. Best of Luck!
I live in the state of MN. My vehicle was recently repoed. While claiming our personal belongings, all valuables in the vehicle was not returned. Our jewelry, my wallet, and $500 cash was stolen. What advice can you help with in retrieving my personal belongings and prosecute for such crime?
Jimmy,
I’m sorry but I can’t advise you on Minn. law. That sounds illegal, and I’d immediately call a Minn. consumer rights or fraud lawyer to take action.
My mother passed away, my son was driving a car that was in her name and it was repossessed. They will not let him get his personal items out of the car, what can we do?
I assume you’re in Alabama if you’re posting on my webpage, so based on Alabama law, here is what normally is the best way to protect yourself.
First, make a complete list of every item that was in the vehicle and its replacement value. Send a written demand for these items and offer to come pick them up during regular business hours. Keep a copy and send it certified or deliver it personally. They are not allowed to keep other people’s belongings if you demand them back and make reasonable efforts to get them from them. If they continue to refuse and the property is worth a good bit of money, then you can sue to force them to return the stuff.
Hello, my car was barely 6 weeks late and got repo. The repo man was rude and kept asking me for my keys, which I have to him. I didn’t removed my personal items because they frightened me and kept pressing the panic button on the key chain to make my neighbors aware of the incident. We called the buy here pay here, ahw asked the repo man to leave the car because we made an arrangement. He said – No I am already here and if I don’t take it, I don’t get paid- well the amount of retrieval of my vehicle payment suddenly increased by a thousand. Leaving us no option to get it back. The repo man said I needed 200.00 to get my items back. So we waited till the car was back in dealership to get items. To my husband surprise the repo man trash the car, stole most of my items including my plates. The owner of the lot had to basically repo the repo man of his vehicles. The dealer GPS tracked my car all over Alabama, to top it all he switched my car plates and put fraudulent plates on it. When my husband went to retrieve the plate ,he noticed the screws were loose, he matched the registration and they were not ours. He took my expensive items and trashed the vehicle with all this dirty auto parts, compressor, gas filled parts. Also my personal mail was opened. I don’t know what to do.
Maritza,
I’m not entirely clear on what happened, but if you want to call and discuss this, my number is 251.272.9148. Thanks.
Misty,
That doesnt’ sound right at all. If they switched the plates, that could indicate that they were taking it for their personal use. They can’t do that without notifying you in writing ahead of time and giving you credit for the value of the vehicle. Also, if you came to an arrangement with the creditor, that may be a defense to their repossession. They’re not allowed to use your personal belongings to extort money. But if you chose not to get them from the vehicle when he took it, then you may be required to pay a reasonable fee for storage of the personal belongings. Whenever they take personal belongings, it is important to catalog every item that was in the car, and note the value of that property. Write the repo man a letter and deliver it to their place of business personally with a witness or by certified mail.
i need help my car was repossessed on january 20 2017 it is march 2nd have not heard from the dealer no letter no nothing i have my belongings in the car im very upset…
Kymmee,
If you or the vehicle is in Alabama, then I may be able to help you. If your concern is with personal belongings that were taken along with the vehicle, then you need to immediately make a complete list of all items that were in the vehicle and their approximate value. You can file a court action to recover these items if the repo man won’t return them.
I had my truck repo n they don’t want 2 give me my personal belongings back…or tell me where u can get the belongings back…I live in Laredo Texas wat can I do…plzzz help me…I need my belongings back
Jorge,
I can’t advise you on Texas law, but generally they have to give you a reasonable chance to get your stuff back during ordinary business hours. If they won’t, then you should write a letter demanding their return. Send it certified to prove delivery.
I’m in michigan. Can repo company charge a fee to get personal belongings back?
Jim,
I’m not authorized to practice law in Michigan, so you’ll need to talk to a Michigan lawyer. In Alabama, a repo company can probably charge a reasonable fee for storing your property if you don’t get it, but they do have to make the stuff available to you. But as for just holding your stuff hostage until you pay some money, I personally believe that’s extortion.
When my car was repossessed and my dealer never informed me of where to get my stuff or where it was going to be auctioned after I called them. They then called and said my stuff has been trashed by the repo company about a month later but I am still uninformed of who the repo company was. Do I have a right to fight for my property or the value of my proper back?
Gregory,
I assume if you’re writing me that you’re in Alabama, so I’m going to talk about Alabama law. Here, the answer is YES. You do have the right to get your property back if they refused to offer you any chance to get it returned. If they offered to get it for a small fee, then you may not be able to sue them for much, but if they just didn’t offer you anything at all, that’s bad and they shouldn’t be allowed to get away with it.
no I’m in Pennsylvania..
they threw most of our items away and over 4,000$ worth of make up what can i do ?
Kianna,
That doesn’t sound right. In Alabama, I believe that they are allowed to dispose of them after holding them for a reasonable time for you to come get them. And they have to make them available to you if you offer to pick them up during ordinary business hours.
I assume that you’re in Alabama or the car was repo’d here or brought here. If so, call me and we can make an appointment to discuss your options.
JEC
Thank you so much. I know you are an attorney in Alabama. I’m assuming that is Alabama law.
Do you know, by any chance, if WA or PA is any different? I’m originally from PA, moved to WA about 8 months ago. Only made partial payments on my car for twoonths in a row. (Not going to make any excuses for that. It is purely my responsibility, and I fully own up to that.)
The bank, of course, was demanding payment in full ($10,000….yeah right!) Or they would repo the car.
Well, they got the car, but I had left some important documents, a $100 jacket, some jumper cables, and a few other odds and ends in the vehicle.
For the past two weeks, I have been attempting to claim my things. The repo company is telling me it is a $50 “processing fee,” plus $5/ day for “storage fees.”
I smelled bullshit immediately, and threatened to call an attorney. They said “go right ahead” with full confidence, directly in my ear! Furthermore, they said they would throw it all away after 30 days.
Why in God’s name they would throw away perfectly good things, rather than just simply hand it over, is beyond my comprehension.
My hunch is that the law regarding property rights is protected under the Constitution, and is therefore, a federal law that governs all 50 states. Companies cannot steal personal property that has nothing to do with the vehicle itself, then charge for “storage fees.”
Any help regarding that particular issue would be GREATLY appreciated! I’m struggling financially, and need my things without paying for it.
Michael,
I can’t say for sure whether or not the law is the same in PA or WA, but Alabama’s law on repossessions is governed by our version of Article 9 of the Uniform Commercial Code. Each state has enacted its own version of the UCC. They aren’t all identical, but they are ususally really similar. So my guess would be that the law is basically the same. To find a lawyer in WA, you should try http://www.consumeradvocates.org. They have an attorney listing of people who could help you.
Hello, my name is Trina. I am a mom of 4. I unfortunately had to get a title loan from Title Max on my 2004 BMW. After my husband was hit by a truck whil riding his Harley. I got the loan in September 2016. 2 weeks after I completed big job, which paid me enought to go pay FULL amount back to Title Max. Now here a year later they reposse my car on labor day. I made contact with Title max and repo man. Asking for the location of my BMW. I have my orignal Title in hand. They refuse to give me any information. What can I do now?
Trina,
May I ask why you didn’t pay off the loan when you had the money? I’m not sure how that’s relevant to their right to repo the car.
Obviously, if you DID pay it off, then they’re definitely in the wrong.
I don’t know what state you’re in, but in Alabama, the creditor has to send you a written notice of what they plan to do with the car – basically, when and where they’re going to sell it. You can then go and bid on your own car to buy it back. Which is a good idea if you have the money. Even if you don’t have enough to pay off the full loan, you may be able to bid higher than the car dealers who are going to bid bottom dollar.
And I haven’t read your loan contract with Title Max, but a lot of secured auto loans give you the right to redeem the collateral before they’ve sold it.
If you’re in Alabama, you can call me at 251-272-9148 to discuss this.
Peace,
JEC
I had my car reposessed and the repossessors were not the finance company i had my License and Social Security and a whole lot of bank cards and other valuables they told me I can’t get my things unless i payed a $100 clean out fee and they will throw my things away after 30 days what do I do.
Zirkia,
Because you’ve posted on my website, I assume you’re in Alabama and the repossession happened here. Most car sale installment contracts allow them to repo your car, and allow them to charge a “reasonable storage fee” for the belongings in the car. So if your car gets repo’d and a week later, you come asking for it, they can charge you for keeping your stuff. In that case, $50-$100 may be reasonable.
However, if you ask for your belongings the same day of the repo, then there was never any storage, and so no fees should be owed. Simply demanding $100 because you happened to have stuff in the car when they took it is extortion. You can sue them for willful conversion. You generally need to prove what was in the car with at least one witness or photographs or something like that.
Then you can take them to court and try to get compensation for the value of the things they took and possibly the costs of not having them. For instance, if you couldn’t drive for 3 weeks because you didn’t have a license and you had to pay for rides to work, then you could ask for those costs as well.
If you’re in the Mobile area, you can call me to discuss this. I may be able to help you.
JEC
Is this law the same for every state like Arkansas the car I was buying was repoed last night they came in the middle of the night while we were sleeping after we have paid on this car for nearly five years the amount we paid for the was 16,785 and that amount never got any smaller so we got tired of paying for a car for five years and never got it paid (strange) wouldn’t you say. So they came got it last night and my wallet was in the car in the glove box and the car was locked they left drag skid marks on our driveway in the carport all the way down into the the gravel and when I called the place they said they needed a $58.00 money order for a clean out and storage fee so I thought I would file a police report for them steeling my wallet that had 328.00 dollars in it. Please get back to me and text me or call me 501-858-7203.
Douglas,
I’m an Alabama lawyer. I can’t say anything about Arkansas law. You’ll need to call a local lawyer to deal with this.
My work tools were my ex’s car that was repossed. My badge and work equipment all have my name or company’s name on it bit they wont allow me to retrieve any of it and she is unavailable. How van I get my things
Trey,
I assume you live in Alabama. They aren’t allowed to take your stuff. Generally, the sale contract allows them to charge a reasonable storage fee for holding your goods, but that only would matter if they actually stored your goods for some time. If you demand your stuff back the same day or the day following the repo, they should not be charging you a fee. What county did the repossession occur in? And what county did you sign the contract in?
Can the repo yard refuse to let me see my vehicle and check for damages since they broke into my vehicle to get my belongings out even though I was bringing them a key the very next day after repo, and make sure no other damages during tow since it wasn’t out in a flatbed like it’s supposed to be during any tow and the finance company allowing me to reinstate my loan to get vehicle back? They refused to let me see my car and already had all items out of my car less than12 hours after repo
Shellie,
That doesn’t sound right. In Alabama, there is no specific statute on their ability to keep your belongings, so the courts generally look to what the contract says. They never have a security interest in your belongings, so their only right to take them in the first place is if they’re rightfully repossessing the vehicle.
But even after a rightful repossession, they can generally only charge a “reasonable storage” fee if the contract says so. But if you’re trying to get your stuff back straight out of your car on the day of the repo, then there’s no storage taking place, so no storage fees would be earned.
They aren’t required to let you get into the vehicle itself, but they are required to either give you back all your stuff or allow you to get it. And they should be willing to do so on a mutually agreeable time during normal business hours.
JEC
I live in Atlanta and they want me to pay $75.00 to retrieve my personal property.He said the state of Georgia can charge me $200 .If i don’t pay he will throw my important things away.Tried to get address to mail to ask for my things.I Don’t have the money and he hung the phone up on me
Chirita,
I only practice law in Alabama, so I can’t say whether that fee is legal under Georgia law. You’ll need to talk to a Georgia lawyer, preferably one who practices regularly in the county where the repo took place. Best of luck on this.
JEC
Can they make me pay money to get my license plate back (meaning car was repossessed).
Wes,
That question depends on the law of the jurisdiction where you bought the car and where it was repossessed. And also the language of the contract you signed. If you’re in Alabama, give me a call and we can discuss this.
JEC
I’m in Florida they refuse to give me my purse and cell phones and other items
Kisha,
I’m sorry but I can’t advise you on Florida law, as I’m only licensed to practice law in Alabama.
Yes my car was repossessed and it had had CDs in it they retrieved the licensed plate and my mom diable sticker but no CDs the receptions got smart and said the got tossed and i better be lucky im retrieving my other items i want to know what can be done about it
Jascena,
I assume you’re in Alabama. If you demanded your stuff back quickly after they repossessed the car, then they have no right to destroy your belongings. You may be able to sue them for conversion.
I was getting ready to take over paying for a car a friend of my could not pay anymore but the car was repo doing the process. I have things in the car that belong to me not her and because the car is still in her name they won’t let me get my things . Can they do that
Lavonda,
I can’t answer your question without knowing what state you’re in and what state’s law governs the contract. I can say that in Alabama, that would generally be illegal. If you live in Alabama or the contract was signed in Alabama, call me and I may be able to help you. 251.272.9148.
Hello, I need some help on an issue I am having with my car. Is there a way to talk to you over the phone? It is a lot to send in a message.
Taura,
If you’re in Alabama or the repossession occurred here, you can call me at 251.272.9148.
Im in Washington. I forgot my wallet inside my brother in law car that has been repossesed. And when he tried to get it back. They said we have to put down $50 or we’re not gonna take it. Please I need help to help me take my wallet back. I need my I.D to make a doctor appointment for my daughter.
I can’t help you because you’re not in Alabama. In Alabama, if they don’t have the right to charge that sort of fee, then the best way is to pay the fee and try to sue them for it later. You will need to talk to a local lawyer about this, though.
Best of luck.
JEC
I lived in Alabama and yes I was behind on my payment and I understand the repo man had a job to do but they shouldn’t be able to just do whatever it takes to get you car . I was sitting in my truck and the next thing I know the repo man was backing up to my truck and he picked the truck up off the ground with me in side and then told me to get the F out and telling me he was going to bash my head in with a pipe in his hand .and when I open the door he started smashing me in the door jam so I got back in the truck and then the cops showed up and make me get out and made me give him the keys and then the cop handed my keys to the repo man and told me to step away from the truck and when I told him how the repo man was telling me he was going to bash my head in and that I would like to press chargers he said you don’t have that right to do that he’s doing his job as a repo man. And when I asked if I can at least get my bag out off the truck they said nope and the cop told me to start walking home and said you should have paid your bill. Oh and when I asked to see some kinds of paperwork work they wouldn’t and the cop didn’t even ask to look at it . So is that ok for them to treat someone like that
Brad,
Call my office at 251-272-9148. We may be able to help.
JEC
Brad,
Who was the repo company and finance company that authorized the repo? Call my office at 251-272-9148. We may be able to help.
JEC
Semmes towing and recovery out of semmes AL the Finance company is called Bridgecrest I even have most of it on video as well
Brad,
Call my office to discuss your case. 251.272.9148. Thanks!
I had all my property stolen from me by a repo company in Nov.2018 and it was all the valuable things of myself as an income due to the collective items they took.Consumers affairs in Atlanta refused to help me and the lady talked to me very unprofessional. I have record of every conversation i’ve had with people denying me help including the Financial institution of the loan.Westlake financial services, I even spoke with Mr.Hank…said he couldn’t help me.I am disabled and senior citizen of USA and treated like a nothing because of a defective car that caused me to have a stroke at the brain after the passengers seat came off the hinges with a prior problem that I had begged to be repaired prior to vehicle accident. All my values taken and left me homeless due too me not having my property and I was planning to get monies from my collections plus my personal life items and my clothing. Help me someone. 352 239 8644,Alice
Alice,
Call my office at 251-272-9148. We may be able to help.
JEC
Cash to go a title loan company in Atmore Alabama had my car repossessed this evening in the Walmart parking lot my two children and I were stranded in the Walmart parking lot all of my possessions are in the vehicle including the kids school supplies that they need for first thing in the morning I also have the receipt where I paid the title loan off in the vehicle I repeat I have the receipt where I paid the title loan off in the vehicle what do I do the police won’t help me they say it’s a civil matter they also told me that if my car was up at cash to go to go take it back
Rodney,
Did you ever resolve this issue? Call my office if you still need help with it. 251.272.9148.
My car was just repoed and almost everything I own is in it. I went to finance company asap and they tell me that my rifle that was in the car had been given to the police, Can they legally do that? So many things are in my car and they want to go thru and list it all, I don’t want those people in my personal and private things. Can they legally go thru my things? Also said I have to forfeit my key and within 48hours they will get my things to me. My house keys, id, everything is in that car!!! What can I do?
Tammy,
That doesn’t sound right. I assume that you’re in Alabama. If so, call me and I can try to help you out. 251.272.9148.
Hello, my car was repossessed a little over month ago, i just remembered i had valuable items in there. Can i still get them back?
Melany,
In Alabama, you should be able to get your stuff back. But after a month, you may be liable for storage fees.
Hello my car just got repoed and took to a lot 51 miles away i have alot of my personal things in it . i was going on a fishing trip and had cloths ,coolers sleeping bag food fishing rods and reels and a few other things .. i cotracted the banks and took care of the paper work with the money i owed them but the repo places wouldnt let me get it out and now they are charging me a 60 dollar storage fee .. question is do i have to pay that 60 dollars to get my stuff back plus the car to
Jacob,
In Alabama, it is usually not legal for them to charge you a fee. However, that depends on the language of the contract you signed when you bought the vehicle. It may provide for a fee specifically, in which case it could be OK for them to do that. You need to read the contract and figure out what it says about repo fees and storage fees.
JEC
Can a repo man take your plates off vehicle and keep them until you pay storage fees
Car is repossessed and they haven’t had a 24 hours can they take a tool box out of it
Lawanda,
I can’t really answer your question without knowing more facts. Particularly, any lawyer reviewing your case will need to see copies of ALL documents relating to the transaction. If you’re in Alabama and you want to discuss this, call my office at 251-272-9148.
JEC
My car was repo over a title loan today. I called and for out what company has it and was told I had to pay $65 to get my personal belongings out. Can they do that?
Donielle,
In Alabama and most other states, that fee could be illegal if it isn’t authorized by the contract. Call my office today and we can discuss this. 251-272-9148. Thanks!
JEC
Donielle,
The answer to that question depends on the paperwork you signed and what state you live in. In Alabama, I believe these fees are illegal if they aren’t specifically authorized by the contract. If you’d like to discuss this further, feel free to call my office at 251-272-9148.
JEC
My car was repoed the repo company took only the expensive items and left the rest when I went to retrieve them after paying the fee they ask for I was told they didn’t have them they were gone iamong these items was my wallet with all my personal information and I’d and social security car and birth certificate I think I need an attorney
Vanessa,
That sounds like it could be illegal. Call my office at 251.272.9148 and we can discuss your rights.
JEC
Long story short my sister passes away four months ago. We inherited her car. It was repoed for unknown reasons payments are up to date but we can’t get it back because it’s not in our name. What do I do
John,
If you’re in Alabama, that could be an illegal repo. Call my office at 251.272.9148 if you’d like to discuss this.
JEC
My car was repoed and the repo man didn’t want to give me my property unless I gave him the key and at first he tried charging me 50$ but then said I’ll waive the fee just bring the key
Priscilla,
Who did this? In Alabama, you are not obligated to pay or give him anything to get your stuff back. Call my office to discuss this at 251.272.9148.
JEC
My vehicle was repossessed a couple months ago in Georgia, but the vehicle was bought in alabama, The lender did not send me a notice to sale so I could get the vehicle back, I only found out that they sold the vehicle because I had to call to see how much I had to pay to get it back and thats when I was informed that it was sold. I was wondering if I have a case.
That may be illegal, however they could have sent it to an old address. I’d need to review your paperwork to figure out if you have a case or not. Call my office at 251.272.9148.
I am in Alabama.My car was repossessed on Sunday, and I was told I had 15 days to redeem it. I paid my fee and wen to of pick it up on Friday only five days after the repossession. And was told that my car was sent to auction, and lucky I was able to get it there. But the problem is I’m missing my registration and license plate off my car they have been removed as well as some select personal items while the rest remain in the vehicle. Im willing to take a loss for the personal items. Can I just get new plates and registration papers?