Vehicle Repossession in Texas: What You Should Know
In Texas, if you fall behind on your car payments, your lender may have the right to repossess your vehicle — without advance notice. Yes you read that right. Repossession can happen quickly once a loan is considered in default.
Key Things to Understand:
No court order is required for most repossessions.
Repo agents cannot “breach the peace” (use force, threats, or damage property).
After repossession, you must receive notice before the vehicle is sold.
You may still owe a deficiency balance if the vehicle sells for less than what you owe.
The best way to avoid repossession is simple: make payments on time and communicate early if you’re experiencing financial hardship.
If you’re financing through Canino Auto Sales, our team encourages customers to reach out before their account becomes seriously past due. Open communication can help prevent unnecessary stress and protect your investment.
Staying informed and proactive keeps you on the road. ??
