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Repossessions

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Work With Our Aurora Attorneys To Stop Repossessions

Threats of repossession can be stressful because you’re at risk of losing everything. One moment, you’re working hard and making regular payments. Then a few unexpected things happen, you fall a little behind, and then the next thing you know, a collections agency is blowing up your phone. If they repossess your car, how will you get to work? How will you pay your bills if you can’t get to work? If you can’t pay your bills, then what happens?

We understand––it’s easy to spiral. This is where our attorneys come in. Our compassionate Aurora legal team has worked with people just like you—people who fell a little behind are now in an out-of-control financial situation. Don’t worry. We can help stop repossession and get your life back on track. There is legal relief.

What Is Repossession In Colorado?

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Repossession in Colorado refers to the process by which a creditor retrieves an asset used as collateral for a loan due to the borrower’s default on payment terms. Repossessions primarily impact secured debts, such as auto loans, where the purchased item is collateral.

Under Colorado’s Uniform Commercial Code, creditors have the right to repossess property without judicial intervention provided they do not commit a “breach of the peace,” meaning it must not involve physical force, threats of force, or any confrontation that could disturb public order or create a volatile situation. For instance, a creditor cannot break into a locked garage to repossess a vehicle but can take a car from an accessible driveway.

Furthermore, state and federal laws define both parties’ rights, including regulations about how and when a creditor can proceed with repossession and what they must do post-repossession. After reclaiming the asset, the creditor must provide you with a notice of intent to sell the property, allowing the debtor to redeem the asset or arrange to pay any deficiency balance on the loan.

Understanding your rights under repossession laws is crucial if you face repossession in Aurora, Colorado. If you’re dealing with a potential or completed repossession, contact us to explore your legal options and strategize an effective response. Our experienced Aurora repossession attorneys provide guidance and representation to protect your rights during this process.

What Happens If My Assets Are Repossessed?

In Aurora, Colorado, when a credit card company initiates a lawsuit against you, it’s crucial to respond strategically to protect your legal and financial interests. Knowing the steps can provide a pathway to resolve the issue without severe repercussions.

  1. Review the Lawsuit Notice: Carefully read through the complaint to understand the claim. Verify all details, including the debt amount and the creditor’s identity.
  2. Respond to the Lawsuit: You must file an answer to the lawsuit within the timeframe specified by the court, typically 21 days in Colorado. A failure to respond to a lawsuit can result in a default judgment against you.
  3. Seek helpful Legal Advice: Consult with an Aurora attorney specializing in debt defense, as they can help you explore your legal options, such as contesting the creditor’s claim or negotiating a settlement.
  4. Consider Debt Relief Options: Discuss with your attorney the possibility of debt settlement, consolidation, or, as a last resort, filing for bankruptcy under Chapter 7 or Chapter 13, which can offer protection from creditors.
  5. Prepare for Court: If the case proceeds to court, prepare your defense and gather all relevant financial documents and correspondence related to the debt.

Getting sued by a credit card company is a serious matter, but with the right steps and legal guidance, you can manage the situation effectively. Our lawyers in Aurora will support and represent you throughout this process, ensuring the best possible outcome.

What Do I Do If I've Received A Notice Of Repossession?

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Receiving a notice of repossession in Aurora signifies that a creditor is initiating the process to reclaim a secured asset due to nonpayment. You must act swiftly in such situations. Our Aurora attorneys can guide you through steps you can take to potentially halt this process or mitigate its consequences. Here’s a clear, step-by-step guide to navigating this challenging situation under Colorado law.

  1. Review the Notice: Carefully examine the repossession notice to understand the details, including the reason for repossession and any potential deadline by which you must act. This review will help ensure the creditor has followed all legal prerequisites.
  2. Contact Your Creditor: Engage with the creditor to discuss the situation. Sometimes, creditors negotiate alternate payment arrangements or extensions, especially if you can demonstrate a plan to remedy the default.
  3. Seek Legal Advice: Consult an attorney specializing in consumer rights and repossession laws, as they can provide advice specific to your case, considering any defenses you might have, such as a breach of peace during the repossession process or any procedural errors made by the creditor.
  4. Redeem the Property: Colorado law allows you to redeem the repossessed property by paying the full amount due plus any applicable fees before it is sold at auction.
  5. Attend the Repossession Hearing: If your case goes to a hearing, attend. Representation at this hearing can be crucial in defending your rights and retaining your property.
  6. File a Complaint: If you believe the repossession was unlawful, you can file a complaint with the Colorado Attorney General’s Office or seek legal recourse.


Receiving a notice of repossession is undoubtedly stressful. However, there are several steps you can take to assert your rights and potentially keep your property. You don’t have to face the process alone. Our debt relief firm in Aurora is well-versed in repossession law and can help you navigate this complex area. Contact us to get the support you need to address the repossession effectively and explore all available legal options.

What Are My Legal Options For Stopping Repossession

Facing repossession in Aurora, Colorado? Don’t worry. Our firm specializes in repossession law and can guide you through legal strategies to halt or delay the process.

  1. Reinstate The Loan: Colorado law allows you to reinstate your loan by catching up on past-due payments, including any applicable fees and costs before repossession.
  2. Redeem The Property: You can redeem your Colorado property by paying off the entire loan balance and any additional fees from the repossession before the asset sells.
  3. Negotiate With The Lender: Lenders are often willing to negotiate a modified payment plan that might prevent repossession. Such negotiations can result in more manageable payments or temporary forbearance.
  4. File For Bankruptcy: Filing for Chapter 13 bankruptcy immediately stops the repossession process through an automatic stay and allows you to keep your property and pay off your debts over time under a court-approved plan.
  5. Seek A Colorado Court Order: If the repossession violates state or federal laws, such as breaching the peace or not following proper notice procedures, you can seek a court order to halt the repossession.


Although repossession can seem inevitable once it starts, you have rights and options that can provide relief. Our Aurora-based lawyers are well-versed in these legal measures and are prepared to defend your interests vigorously. Whether negotiating with lenders, reinstating loans, or filing for bankruptcy, we help you explore all possible solutions to prevent repossession and protect your assets. Contact us today to discuss your situation and find the best path forward.

How An Aurora Attorney Fights Repossession

Facing repossession in Aurora can be daunting, but several legal options are available to help you retain your property. As an experienced repossession law firm, we guide our clients through these options, ensuring they understand their rights and the actions they can take under both state and federal laws.

  1. Reinstate the Contract: You can stop the repossession by reinstating the contract through full payment of all past due amounts, plus any applicable fees, as allowed under Colorado law (C.R.S. § 4-9-623). 
  2. Redeem the Property: Before selling the property, you may redeem it by paying the full loan balance and associated costs.
  3. Negotiate a New Payment Plan: Work with your lender to negotiate a revised payment plan that may prevent repossession. Lenders often prefer to avoid repossession when you can make a feasible payment arrangement.
  4. File for Bankruptcy: Filing for bankruptcy triggers an automatic stay that temporarily halts all repossession activities and gives you time to reorganize your finances, particularly under Chapter 13 bankruptcy.


You have multiple legal strategies available to contest or delay repossession in Colorado. Our Aurora lawyers will assist you in evaluating these options and choosing the best course of action based on your circumstances. Contact us today to protect your assets and find a resolution supporting your financial stability.

Practice Areas

Contact Our Aurora Repossession Attorneys Now To Protect Your Rights

Under Colorado’s laws, creditors often have the right to repossess secured property without a court order if there is a default in payment. However, they must not breach the peace during repossession. Our attorneys specialize in assessing the legality of the repossession process and can help enforce your rights, including negotiating for reinstatement of the agreement or recovery of the property.

If you are facing repossession in Aurora, Colorado, our attorneys have your back. With extensive experience in repossession law, we will fight to protect your interests.

Our team has successfully defended numerous clients against unlawful repossessions. Protect your assets and rights by contacting us immediately to schedule a consultation. Let our experienced attorneys provide the aggressive representation you need to challenge improper repossession practices.