Behind on Your Vehicle Payments
If you find yourself behind on your vehicle payments and unable to catch up, a Chapter 13 Bankruptcy will allow you to either get caught up on your terms, or restructure the entire loan by lowering the monthly payment and reducing the interest rate. When your payments are behind, your vehicle lender will only accept payment in full and will reject anything less. A Chapter 13 will legally force your vehicle lender to accept a payment plan that fits your budget and prohibit it from attempting to repossess your vehicle. Filing before your vehicle is repossessed will save you the hassle and inconvenience of having us recover your vehicle for you.
Vehicle Already Repossessed/Electronically Disabled
If your vehicle has already been repossessed, we can force your vehicle lender to return it to you. A Chapter 13 bankruptcy will require the lender to return your vehicle as soon as it is filed. In order to recover your vehicle, it is imperative that your case is filed before the vehicle lender has already had it auctioned off.
If your vehicle lender has installed a disabling device to prevent you from operating the vehicle, a Chapter 13 Bankruptcy will require the lender to remove this device and allow you to freely operate your vehicle.