Trusted Representation For Complex UCC And Repossession Cases
In repossession matters, it is very important that you seek the help of an experienced and skilled Texas debt defense attorney to represent you; repossession defense is heavily based on statute and very detailed. With the help of Mastriani Law Firm, you will be able to avail yourself of all the protection these statutes provide and most likely have your car or boat voluntarily returned to you.
Repossession Law Governed By The UCC
The Uniform Commercial Code (UCC) is a uniform statute that has been implemented by the Texas legislature, and governs many commercial law matters throughout the state. This includes repossession, which is typically governed by Article 9 of the UCC. Under the UCC, the creditor is required to give you, the debtor, sufficient notice before accelerating the note (calling the full amount of the debt owed), and repossessing the collateral on your debt.
Oftentimes, the creditors, or debt scavengers to whom your debt has been sold, do not have documentation proving that:
- You were given proper notice of the date your debt was due
- You were given proper notice of repossession and proper notice of sale of the collateral
- The sale of the collateral was conducted in a commercially reasonable manner
When the company that has repossessed and sold your car or boat to cover your debt cannot provide documentation of these steps, they must return your possessions or reimburse the cost of replacement.
Our proven legal strategies have helped thousands of Texans change their lives forever. In fact, we’ve completely eliminated interest and reduced principal for over 95 percent of our clients and often eliminated the entire debt — without bankruptcy and without debt consolidation.
Contact An Experienced Houston Security Interest Lawyer
Call 713-665-1777 day or night to schedule a free consultation with Texas UCC Article 9 Houston debt defense lawyer John Mastriani. You may also contact us online. We serve clients throughout the state of Texas.