Thomas “TJ” Pearson is a Staff Attorney at the Metropolitan St. Louis Equal Housing and Opportunity Council (EHOC). He represents tenants in eviction cases and related landlord-tenant disputes. TJ is from Belleville, Illinois and currently lives in St. Louis, Missouri. He received his law degree from Washington University School of Law and his undergraduate degree in Philosophy from Grinnell College in Iowa. TJ started his time at EHOC as an intern through the law school’s Civil Rights, Community Justice and Mediation Clinic, then continued at EHOC as an Eviction Prevention Legal Fellow for five months before becoming a Staff Attorney in January 2021. In law school, he was a Staff Editor for the Journal of Law and Policy. He also interned for a Judge in the United States District Court for the Southern District of Illinois, the Illinois Attorney General, and a local law firm.
Articles written by Attorney Thomas J. Pearson
Are There Any Advantages to a Voluntary Repossession?
Written by Attorney Thomas J. Pearson. Legally reviewed by Jonathan Petts
Updated August 8, 2025
Voluntary repossession is when you return your car to the lender because you can no longer afford the payments. Sometimes voluntarily returning your car is better than waiting for the lender to repossess the car, as it may reduce repossession costs, give you more control over the process, and help you avoid the embarrassment of an unexpected repossession. However, it may still be reported as a negative mark on your credit report and hurt your credit score. Also, you may be responsible for any remaining balance on the loan after the car is sold.
Read More →How Does The Repo Man Find Your Car?
Written by Attorney Thomas J. Pearson. Legally reviewed by Jonathan Petts
Updated April 28, 2025
Repossession happens when a lender takes back a car because the borrower has fallen behind on payments. Repo agents use personal details, social media, and tools like GPS trackers and license plate scanners to find vehicles. They can legally repossess cars from public spaces but cannot enter locked or gated private property. After repossession, the lender typically sells the car, and you may still owe a deficiency balance if the sale doesn’t cover the remaining loan and fees.
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