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Repossession in Georgia

Get Help and Avoid Repossession

Are You in Danger of Repossession?

Are you facing the loss of your car or other personal items due to falling behind on your payments? Not only is this an embarrassing situation, it is expensive to resolve and could be impossible to manage financially. Falling behind on payments for tools, your car, or other items you have purchased can result in a disastrous situation. Eventually, the company you owe money to will repossess the car or other item if you do not seek the kind of legal help that you deserve.

If you are facing the threat of repossession, call a Marietta bankruptcy lawyer for help. Did you know that all repossession actions will be stopped immediately when you file for bankruptcy? This gives you the time to get this pressing issue sorted out before it is too late.

The Automatic Stay

When you file for Chapter 7 or Chapter 13 bankruptcy, all creditor action comes to an immediate halt. Any debt collector that contacts you by mail or by phone is in violation of federal laws regarding bankruptcy. There are certain actions during the period of the automatic stay that can be undertaken on your behalf to allow you to keep your vehicle, tools or other item, and I can help.

The first step is to get your situation evaluated at once, and get the help you need to determine the best way to resolve the problem before it turns into a disaster. My firm, Cherney Law Firm LLC, is prepared to assist you to get your repossession problem resolved. Whether filing for bankruptcy is the best solution or an alternative would better work for you, you need to do something effective immediately.

If your car is repossessed and you cannot come up with the full overdue amount, you will never get your vehicle back and the cost can be in the thousands. Should you fail to pay it, not only will you lose your car; you will still owe the lender per the terms of your contract. Effective action must be taken fast to help you avoid further financial problems. There are options for you and it is important that you find out what can be done before it is too late.

Stop Repossession: Get the Help You Need

The automatic stay is a temporary solution while the resolution is worked out. The skill of your attorney can make all the difference, as negotiations with the lender must take place. There could be opportunities to allow your overdue payments to be forgiven or at least added to the end of the loan so that you can still keep your possessions.

In many cases, after filing for bankruptcy there is enough money available to keep payments current, as unsecured consumer debt is discharged, leaving more for you to manage your day-to-day expenses. I assist my clients to make arrangements that are to their benefit, including issues involving car payments and managing a repossession action.

In order to continue to go to work, take your children to school, go shopping and other daily activities, most often than not you need a vehicle. When financial problems arise, such as reduced hours of work, a medical emergency, a divorce or loss of employment, it is very possible that a repossession of your vehicle could take place.

How this situation is managed is important to you and your family. I address these issues with your interests as my only concern. Having a skilled Georgia bankruptcy lawyer on your side can make all the difference. Call my firm today if you are facing repossession. I will review your situation and determine what can be done to make arrangements that will work for you. Always striving to provide a level of compassion to my clients, I can promise that I will always be on your side should you chose to work with me through this difficult time.