When can they take the home legally

When you are in default on a loan, the creditor can then take you to court and get a judgment against you for the loan, they can ask for a writ of possession to reclaim the mobile home.

Most state require that the process must be followed.

If they call you on the phone most of the time they will try to threats to make you think they can do what ever they want, they cannot.

You do have the right to cure the default before any action can be taken. The key is read your contract of the loan, if determines what they can and cannot do.

What rights doi have as a home owner? What is the repossesion process? What options do I have? If any? How can I get out of the defAULT?

If this is in the US, many states treat a mobile home a lot like a car, because it has a title not a deed.

In some places it will go the other way.

In general they will get judgement against you for not making the payments on the mobile home. Once you are in default they will sue you in court and get a judgement. Once they have a judgement they will normally get a reprosession. In cases of mobile homes it is quite possible you would go to work one day and come home and the trailer is gone.


To get out of default, you will have to pay all your late payments, interests and late fees.