Stopping Repossession in Mesa | Repossession Attorneys in Mesa
Facing repossession of you vehicle in Mesa? If you have had a car repossessed, or are looking to stop the repossession of your vehicle, our Mesa bankruptcy lawyers can help. We understand. Your vehicle is important to you. we know that you need your car and we can make sure you keep it, and if you have already lost it to repossession we can get it back for you. Time is of the essence, call our office immediately. (480) 833-8000.
The first step to stopping repossession in Mesa is to set up an appointment at our Mesa bankruptcy law office. Meet with our Mesa bankruptcy attorney at a time that is convenient for you and we will advise you on your options regarding repossession possibilities. We will talk through the options and determine the best path moving forward for your current situation. One of the options we have is to file for bankruptcy immediately, by doing that, the automatic stay will go into effect. After filing your bankruptcy, we will contact your car lender and your other creditors immediately and get you the breathing room you need.
The Automatic Stay in Repossession
The moment you file bankruptcy with our repossession lawyers in Mesa, an automatic stay goes into effect which forces your creditors to cease all collection attempts against you. This automatic stay forces the people repossessing your vehicle to cease such actions against you and will allow you in some circumstances to get your vehicle back if it has already been repossessed.
The automatic stay in bankruptcy means that your creditors cannot call or harass you, continue with a lawsuit, repossess, sell, or foreclose on your property. With a few exceptions, you are completely protected by the automatic stay and bankruptcy. Your creditors must seek court permission before continuing their collection efforts once bankruptcy has been filed and once the automatic stay is in place.
Repossession Lawyers in Mesa, Arizona
Can Bankruptcy Help Me Get My Vehicle Back After it has been Repossessed?
This answer is a little bit convoluted. It depends on when the vehicle has already been repossessed and if you are planning on filing for Chapter 7 or Chapter 13 bankruptcy protection. Our repossession lawyers in Mesa can help you determine which chapter of bankruptcy best suits you.
Time is of the essence. Once your car is repossessed you only have a short time (usually less than 2 weeks) before the lender sells it to someone else. Keep in mind, once the vehicle is sold and title passes to a third party, you normally cannot get the car back. However, if the vehicle has not been sold, you still have a chance to get your vehicle back because the automatic stay from filing bankruptcy will stop the sale and prevent the repossession of your vehicle.