The best way to handle a repossession is to attach the procedures. You see most have not followed the correct procedures in dealing with a repossession therefore you can put yourself in a power position when going to court especially if you have requested all documentations involved from contracts to reports and there is no response. You can point this out that you request all of these and tell the judge this or write a letter prior to going to court sent registered mail to the attorney a copy of all the letters that you sent requesting this information. We are not providing legal advice but this could buy you some time to negotiate a deal.

Procedural Attack:

1. Request a copy of the original contract from the repo company, creditor or debt collector.
2. Request the company or person that actually repossessed the vehicle and a copy of the police report number to confirm that it was a legal repossession or a legitimate repo company.
3. Get a copy of the condition report from the repo company. This is a detailed report on the condition of a vehicle’s exterior and interior
4. You want a copy of Bill of Sale of the vehicle and a detail breakdown of all fees.
5. You can request a copy of your account payment history

Why this approach? It places you in a power position to either negotiate or have the item removed. They sometimes will simply remove the bad entry off the report just get you out of their life. Therefore you should state that you are requiring a full deletion and can threat to sue.