Location: Ohio
I bought a used enclosed utility trailer from a private seller about four months ago. I paid in full, got a signed bill of sale, and transferred the title into my name at a title office. I used some money I had saved to convert the inside for my small woodworking setup.
I came home and the trailer was gone from my driveway. My camera shows a tow truck taking it. I called the company and they said it was repossessed because the previous owner used it as collateral for a loan he stopped paying. I sent them a picture of the title showing my name, but they said their lien existed before I bought it and they will not return it unless the lender authorizes them.
The police looked at my paperwork but said it was probably a civil issue. I cannot reach the seller now. Can a lender legally repossess it from me even though the state transferred the title without showing any lien, and what kind of attorney would handle getting it and my equipment back?