Texas Repossession Attorney | Car & Home Repo — OCR Legal

Repossession Can Be Stopped – Attorney Omar Colón Can Help

OCR Legal, PLLC represents Texas consumers whose vehicle or manufactured home has been repossessed, or is at risk of repossession, in Collin, Denton, Dallas, Tarrant (Fort Worth), Smith (Tyler), and Harris (Houston) counties. Texas Business & Commerce Code Chapter 9 requires lenders to follow specific notice and sale procedures — a lender that skips them may owe the consumer damages.

Omar Colón, PLLC offers a free consultation. During this consultation, we can examine your financial situation and develop options to help our clients protect their assets and avoid repossession. We can also help you negotiate with your lender to create a payment plan that works for you or file for bankruptcy if necessary to protect your assets.

OCR Legal represents clients throughout six Texas counties: Collin County (McKinney, Frisco, Plano, Allen), Denton County (Denton, Lewisville, Frisco), Dallas County (Dallas, Irving, Garland), Tarrant County (Fort Worth, Arlington), Smith County (Tyler), and Harris County (Houston, Pasadena, Baytown).

Frequently Asked Questions

Can a lender repossess my car without a court order in Texas?

Yes, Texas permits self-help repossession under Business & Commerce Code §9.609 as long as it can be done without a breach of the peace — no court order is required.

Do I still owe money after my car is repossessed in Texas?

Often yes — if the lender sells the car for less than what’s owed, Texas law lets it pursue the deficiency balance, provided it sends the required post-sale notice.

Can I get my repossessed car back?

Some lenders allow reinstatement or redemption before the sale; the post-repossession notice spells out the applicable deadline.

What if the repo company damaged my property or broke in?

A repossession involving forced entry, threats, or a breach of the peace may be unlawful, giving you a claim for damages.

Does OCR Legal represent clients for manufactured home repossession too?

Yes — OCR Legal handles both vehicle and manufactured/mobile home repossession matters throughout its six-county Texas service area.

How Repossession Works in Texas

In Texas, lenders must provide you with notice before repossessing your property. This notice must include the repossession's date, time, and location. If you receive this notice, acting quickly to protect your assets is essential. OCR Legal, PLLC can help you understand your legal rights and options and provide guidance and representation throughout the repossession process.

Omar Colón is deeply committed to providing high-quality legal services to clients in Frisco and throughout Texas. Attorney Omar Colón has over 20 years of experience helping clients with financial problems, including repossession, bankruptcy, and debt relief.

OUR LEGAL TEAM UNDERSTANDS THE STRESS AND ANXIETY OF FACING REPOSSESSION AND IS DEDICATED TO PROVIDING COMPASSIONATE AND PERSONALIZED LEGAL ASSISTANCE TO HELP CLIENTS FIND A WAY FORWARD. CALL 469-389-8877.