Chapter 13 Relief From Auto Repossession
If you are behind on your car payments because of financial problems, your car can be repossessed without notice. Even after the lender auctions your car, you could still be on the hook for any remaining balance!
The law office of Miner Martin & Hahn, PLC, can help you prevent vehicle repossession by filing for bankruptcy protection. It may even be possible to get your car or truck back if it has already been repossessed. Our Harrisonburg law firm handles personal bankruptcy in Rockingham County and throughout the Shenandoah Valley.
To arrange a private consultation, call us at 540-208-1501 or contact us online.
Bankruptcy Stops Repossession
Filing for bankruptcy invokes an automatic stay against creditors, including the bank or finance company that holds the note on your car. Under bankruptcy protection, lenders cannot repossess your car or hire a repo company to do so. They cannot harass you or take you to court.
In a Chapter 13 bankruptcy, you will be allowed to keep your vehicle and pay the arrears over time if you can keep up with the current payments. Our attorneys can also explore whether you qualify for a Chapter 13 "cramdown," which reduces your remaining car payments.
Shenandoah Valley Bankruptcy Attorneys
If you are facing repossession, you may have substantial debts and may be facing other creditor actions such as wage garnishment or foreclosure. We will sit down with you to discuss your debt relief options, including Chapter 13 or Chapter 7 bankruptcy.
For a confidential meeting with one of our Harrisonburg lawyers about stopping repossession, contact us by email or call us at 540-208-1501 (Harrisonburg) or 540-208-1510 (Woodstock). Our office is open weekdays between 8:30 a.m. and 5 p.m. Evening and weekend consultations are available upon request. We will travel for an appointment, if necessary. We have offices in two convenient locations in Harrisonburg and Woodstock, Virginia.
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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.