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Houston Bankruptcy - Stop Repossession

Stop Repossession in Houston, Texas

Bankruptcy can save your car or truck from being repossessed…

If your car, truck, motorcycle, van, SUV or other vehicle gets repossessed, it can have a devastating effect on your life. If the repo man leaves you without transportation, your life can become very difficult overnight. You can miss work, your children can miss school, and you may even lose your job if your employment requires you to have vehicle. If you have fallen behind on you car, truck, motorcycle, or RV payments, contact the Houston Bankruptcy Attorneys at The Law Offices Of R.J.Atkinson. We may be able to help you file for bankruptcy and help you stop repossession or to get your repossessed vehicle back.

Debt problems can happen to anyone. So can repossession. If you have fallen behind on your car or truck payment due to medical illness, loss of employment, or any other reason, you should try explaining those problems to your vehicle’s lien holder. If you are behind on your car payment, the loan company may give you a break, but don’t count on it. Most loan companies don’t have a way to deal with individual problems on a case by case basis, so oftentimes they either have a one size fits all approach, or they send out the repo man when you to miss a payment. If you do get behind on your car payment, call the loan company and see what they have to offer you. They may be able to allow you to pay interest only or split up a past due payment over 60 days. All loan companies are different so you might get lucky and be able to work something out.

The majority of people who fall behind on their car loan are not able to work anything out with the loan company because the loan companies usually don’t have programs for people who are 2 or 3 payments behind. Additionally, however hash it seems, the loan company don't really care about your personal problems. They just want the money and that’s it. Its business and not personal so keep that it mind when you tell them what happened to cause you to fall behind on your payments, and they tell you that the repo man is on their way to repossess your vehicle. Car lenders, especially small lot lenders will sometimes go ballistic when you are even a few days late. They may call you all over town or whatever numbers you provided them when you got the loan to remind you that you’re a few days late. These kinds of car loan lenders might also try to repossess your car after 10 or 15 days of being late. Unfortunately, or depending on how you look at it, a lender whether it’s a big car loan company or small time car lot has a right to repossess their vehicle if you are even one day late. And, if they do repossess your car, they car sell it at an auction for whatever it brings and leave you responsible for the deficit balance.

Occasionally, there are car lenders who will do most anything to work with you when you fall behind. Having helped thousands in Texas to eliminate and reorganize their debt, a friendly lender that will work with you during a financial hardship is the exception and not the rule.

Stop Repossession in Houston…

If you are behind on your vehicle payments, you should be aware that Federal Laws were created to protect you and your property. Chapter 13 Bankruptcy can stop repossession and allow you to catch up on the missed payments over 3 to 5 years. Over the 3 to 5 years, you can keep your vehicle as well as your other personal property as allowed by law.

Filing bankruptcy of any kind will stop the repossession, but unless you file a reorganization or debt adjustment bankruptcy you will eventually have to give up the vehicle.

Filing Chapter 13 Bankruptcy may allow you to choose from the following:

  • To surrender a vehicle or property that you no longer want or can no longer afford,
  • To get caught up on payments, or
  • To pay off a lien by paying the lesser of the value of the vehicle or property or the full amount of the loan.

Filing Chapter 7 Bankruptcy might enable you to discharge any remaining loan deficiency if you want to, or have to give up the vehicle that the creditor cannot auction for the full amount owed on the loan.

Don’t be afraid of the repo man. Bankruptcy will stop repossession and put you in control of the situation. So if you are behind on your vehicle payments and fear losing your car, truck, motorcycle, van, SUV, RV, or motor home, Chapter 13 Bankruptcy may be the best option to save your vehicle when your lender won’t work with you. For most people in the Houston area and throughout the state of Texas their only means of transportation to get to work is their vehicle. If your vehicle gets repossessed then you could loose more than your vehicle. It could cost you your job and jeopardize your financial future.

If you are behind on payments and are being threatened with repossession, or you’ve recently had your car repossessed, contact us immediately. We may be able to help you stop repossession or get your vehicle back. And, if your vehicle was repossessed and auctioned for sale for less than the amount you owe, your lender will most likely sue you for the deficit balance owed. This type of proceeding-lawsuit is usually referred to as seeking a "deficiency judgment." Filing bankruptcy can reduce or eliminate that debt.

Stop the Repo Man and Keep your Vehicle…

Don’t let the Repo Man take your vehicle. If you are behind on your car, truck, motorcycle, mobile home or RV payments, contact The Law Offices Of R.J.Atkinson to see what your rights under the Bankruptcy Code may be to help you Stop Repossession. Don't wait until the Repo Man is knocking on the door or is in front of your home before you consider bankruptcy to Stop Repossession. Get the information you need at a free initial consultation.

We can help you to explore the advantages of filing for bankruptcy in Houston, Katy, Sugarland, Missouri City, Channelview, The Woodlands, Clear Lake, Pearland, Baytown, Texas City, Pasadena, or in the Counties of Harris, Fort Bend, Montgomery, Brazoria, or Galveston. Contact The Law Offices of R.J.Atkinson at for a free initial consultation to discuss your legal options to Stop Repossession.

Contact The Law Offices Of R.J.Atkinson in Houston at: 713-862-1700

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Filing Bankruptcy can sometimes be the fastest way to get out of debt and may be the most affordable way to get a fresh financial start. Chapter 7 Bankruptcy can quickly wipe out your debts, increase your credit score, stop wage garnishments, get rid of credit card debt, eliminate medical bills, stop payday loans, stop bill collectors, erase negative credit reporting, and reestablish new credit after bankruptcy. RJ Atkinson — Houston Bankruptcy Lawyer have payment plans to make filing Chapter 7 or Chapter 13 Bankruptcy affordable which include low cost flat fees for Chapter 7 that may be considered the cheapest bankruptcy attorney fees compared to fees other bankruptcy lawyer charge. Chapter 13 Bankruptcy can save your home from foreclosure, save your car from repossession, lower monthly payments, reduce interest rates, get rid of late fees, reduce credit card interest, payoff high credit card debt, raise your credit score, stop creditor harassment, get rid of debt, reduce debt, eliminate creditor calls at work, stop collection calls, start over financially, discharge debts and/or be debt free in 3 to 5 years. IRS tax problems, tax levies, wage garnishments, back taxes, payroll taxes, income taxes can often be handled in Chapter 13 bankruptcy. Divorce/Bankruptcy – past due child support arrears, alimony, spousal support, and divorce debt can often be handled in chapter 13 bankruptcy. The Law Offices of RJ Atkinson handles debt consolidation, loan modifications, credit card debt settlement, debt negotiation, lawsuit defense, IRS problems, credit card lawsuits, TROs temporary restraining orders to foreclosure, forbearance agreements to foreclosure, FDCPA Fair Debt Collection Practices Act lawsuits, FCRA Fair Credit Reporting Act lawsuits, credit report disputes, debt collection lawsuits, adversary complaints in bankruptcy, bankruptcies, foreclosure workouts, mortgage short sales, real estate property tax disputes, civil litigation, commercial litigation, tax lawsuits, small business bankruptcy, corporate bankruptcy, business creditor representation, and most every kind of debt related issue or financially based legal problem on a case by case basis.
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