Yuma Repossession Defense Lawyer

Stop Repossession to Keep Your Car

If a creditor has threatened car repossession, take the threat seriously. Your method of transportation could be taken away and immediate action is required in order for you to keep your property. Bankruptcy is a common and effective debt relief method used to put a stop to vehicle repossession. At the Law Office of Phil Hineman, P.C., our repossession defense attorney in Yuma has more than 30 years of experience and has handled over 10,000 bankruptcy filings. We know how to help our clients keep their car.

Call our firm at (928) 224-3230 today to schedule a free consultation. Se habla español.

How Does Bankruptcy Stop Car Repossession?

The effect of filing bankruptcy is immediate. An automatic stay goes into place, sending a message to creditors that they must cease all actions against you, including repossession, foreclosure, and any other harassment. Filing for either Chapter 7 or Chapter 13 can effectively stop car repossession.

However, stopping repossession is only one issue in your bankruptcy matter. You also want to make certain that your vehicle is protected from future creditor actions so you know that you will be able to keep what is yours. To do this, all of your payments must be current or you must be able to catch up by the time your bankruptcy is filed.

Cram Downs with Chapter 13

Chapter 13 bankruptcy presents an additional window of opportunity that can help you modify your car loan payments. This is called a “cram down.” If you have owned your car for more than two and a half years and the amount you owe on it is higher than its actual value, you may be able to force the creditor to refinance at your vehicle’s current value.

Act Now - Time Is of the Essence

When considering bankruptcy, many people tend to hold off in the hope they will have other options. Bankruptcy is a major decision, but it is very unlikely that other options will appear to save our car or your home. Bankruptcy offers a way out. We encourage you to take action quickly so that no options pass you by. We encourage you to get in touch with us as soon as possible so we can help you prevent car repossession.

The Law Office of Phil Hineman, P.C. Will Act Fast to Help You

Our experienced Yuma repossession defense lawyer proudly serves clients, including current and former military service men and women, across the Phoenix metro area and all the surrounding areas across Arizona. You can trust our firm to act quickly to protect your property and get you back on the road to financial freedom.

Get the Quality Representation You Deserve

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  • Compassionate & Responsive Service
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  • Over 30 Years of Legal Experience
Years of Skill & Experience Put to Work for You

Phil Hineman has been providing bankruptcy, family law, and criminal law services for the community for over 25 years. Reach out to discuss your case today.