[header] How to raise car deficiency counterclaims [title] Check your state law. [step] Each state has laws which cover the repossession of goods, such as motor vehicles. The law will list many of the counterclaims that you can bring against the lender in a deficiency lawsuit. 
You should begin your research as soon as the car has been repossessed. [substeps] To find your state's law, you can search the internet for " your state " and " car repossession.