One coordinated return. One flat fee. No 3am pickups.
Before Repo coordinates the borrower authorized voluntary return of your vehicle to your lender. We handle the documentation, the towing partner and the delivery confirmation so the case closes cleanly and the lender stops escalating.
Tell us how to reach you.
Enter your details and continue to a secure Stripe checkout. Once the payment clears, our team will contact you within the next business hours to confirm the pickup window and the lender delivery instructions.
What the coordination fee covers.
What is included
- Signed authorization paperwork prepared and filed
- Vehicle condition and mileage documentation protocol
- Photo documentation of pickup state
- Towing partner dispatch to your address within scheduled window
- Delivery to the lender designated location
- Delivery confirmation captured and forwarded to lender
- Personal belongings checklist completed at pickup
- WhatsApp, phone and email support in English, Portuguese, Spanish
What is not included
- Negotiation, modification or settlement of the underlying loan
- Credit counseling or legal advice
- Payment of any past-due balance, fees or deficiency
- Storage of the vehicle for more than 48 hours pre delivery
Cheaper than forced repo. Cleaner outcome.
A forced repossession typically costs borrowers $400 to $700 in agent fees, plus deeper credit damage and a higher deficiency balance because the vehicle goes to auction at distressed prices. A coordinated voluntary return for $199 (or $99 as a Rescue Club member) gives you documented condition, scheduled timing and a cleaner credit outcome than waiting for the truck to show up unannounced.
Before Repo is not a lender, debt collector, law firm, credit counseling agency or insurance company. The coordination fee covers the operational tasks listed above. It does not modify, settle or release the underlying loan. The lender retains all contractual rights, including any deficiency balance after sale of the returned vehicle. Voluntary return is reported to credit bureaus as a derogatory event, although typically less severe than a forced repossession. By starting checkout you authorize Before Repo to charge the one-time coordination fee through Stripe.