Borrower Disclaimer
Last updated: May 13, 2026
Nature of service
Before Repo is an operational platform that coordinates borrower authorized voluntary vehicle returns on behalf of the borrower and the lender. Before Repo is not a lender, bank, law firm, credit counseling agency, credit repair company, loan modification company or debt settlement company.
No financial, legal or credit advice
Nothing on this website, in the free or premium Repo Risk Check, in Rescue Club, in the coordination checkout or in any Before Repo communication constitutes financial, legal or credit advice. Decisions about your loan, insurance, tax situation, bankruptcy, military service status, family law matters, litigation or insurance disputes require a licensed professional in your state.
Credit impact
Voluntary return is reported to credit bureaus as a derogatory event, though typically less severe than a forced repossession. Any deficiency balance remaining after sale of the vehicle continues to be your responsibility under your loan contract.
Limits on warranties
The timelines, financial comparisons and estimates shown are general and may not reflect your specific case. Outcomes depend on the lender, the loan contract, the state and the resale market for the vehicle. Before Repo does not guarantee modification approval, collections suspension, balance forgiveness, the exact fee charged by the lender or the exact case closing timeline.
Privacy and consent
By using the website or contracting our services you agree to the Privacy Policy. Sharing of information with lenders or operational partners is done under explicit consent, except when required by law.
Contact
Questions about this disclaimer can be sent to the address listed at /contact. This disclaimer may be updated at any time; the version on this page is the current one.