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Bird & Van Dyke, Inc. - A Professional Law Corporation

Local Attorneys, Local Representation

Free Initial Consultation

Stockton 209-390-8877

PLEASE NOTE: To protect your safety in response to the threats of COVID-19, we are offering our clients the ability to meet with us in person, via telephone or through video conferencing. Please call our office to discuss your options.

Bird & Van Dyke, Inc. - A Professional Law Corporation
STOCKTON
TRACY
Contact us for a
Free Initial Consultation

PLEASE NOTE: To protect your safety in response to the threats of COVID-19, we are offering our clients the ability to meet with us in person, via telephone or through video conferencing. Please call our office to discuss your options.

Local Attorneys, Local Representation

We help clients throughout Northern California overcome their legal challenges and move forward with their lives.

A Former Prosecutor Working For You.

Our inside knowledge gives clients the edge they need to defend themselves against criminal charges.

Get Compensation After An Accident

At Bird & Van Dyke, we help clients put the pieces back together after being injured in an accident.

Meet Our Legal Team

Contact us at 209-390-8877 to schedule a free consultation.

LOCAL ATTORNEYS, LOCAL REPRESENTATION
LOCAL ATTORNEYS, LOCAL REPRESENTATION
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  5. Exemptions: What Can I Keep?
  6.  » Car Repossession

Car Repossession

The question of car repossession is a perfect example of why distressed debtors should talk to bankruptcy attorneys sooner rather than later. If you have received notice your car loan is past due and you cannot bring it up to date, you may be at risk of having the car repossessed by the car loan lender.

Stop Car Repossession

Fortunately, bankruptcy is ideal for handling this very situation. Once you file bankruptcy, the automatic stay will go into effect. The automatic stay puts creditors on notice they are not allowed to attempt to collect on debts — including repossessing cars.

Once you file your case and the automatic stay goes into effect you will not need to worry about your car being taken in the middle of the night. What can be done at this point depends on whether you file a Chapter 7 or Chapter 13, but either chapter will allow you some breathing room (exemptions) so you can best determine what is in your best interest. It may be in your best interest to reaffirm the car loan and continue paying. However, it may also be in your best interest to surrender the vehicle without the worry of being responsible for a loan deficiency on the car loan.

The Attorneys At Bird & Van Dyke Can Help

Talk to a lawyer about Chapter 7 bankruptcy, Chapter 13 bankruptcy, lien stripping and car repossessions. Contact Bird & Van Dyke. We have offices in Tracy and Stockton. Car repossession? Attorneys at our California bankruptcy law firm can stop it by having you file bankruptcy as soon as possible.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.