They Kept My Stuff After Repo – New Mexico – Sue for $15K–$60K+ (2026 Laws)
Repo company kept your tools, guns, baby car seat, clothes, laptop, or other personal property?
New Mexico law REQUIRES them to return EVERYTHING FREE – no storage fees, no admin fees, no excuses.
Illegal retention = $15,000 – $60,000+ settlement + all your items back
100% FREE – repo company pays our fees + your cash
New Mexico law REQUIRES them to return EVERYTHING FREE – no storage fees, no admin fees, no excuses.
Illegal retention = $15,000 – $60,000+ settlement + all your items back
100% FREE – repo company pays our fees + your cash
Why Keeping Your Personal Property Is Illegal in New Mexico
Under New Mexico law (N.M. Stat. Ann. § 55-9-609), when a vehicle is repossessed, the repo agent MUST return ALL personal property left in the vehicle to you FREE OF CHARGE. Charging any fees for storage, retrieval, or “admin” is illegal and gives you grounds to sue.
| Violation | Average 2026 Settlement |
|---|---|
| Refused to return personal property (tools, guns, clothes, electronics) | $15,000 – $60,000+ |
| Charged storage, admin, or retrieval fees | $20,000 – $50,000+ + fees refunded |
| Claimed items were “lost” or “disposed of” | $25,000 – $60,000+ |
| Kept valuable items (firearms, jewelry, baby seats) without permission | $30,000 – $60,000+ |
| Combined with breach of peace or improper notice | $40,000 – $80,000+ |
Common Items Repo Companies Illegally Keep in New Mexico
- Tools and toolboxes (especially
