What to Do If You Fall Behind in Your Car Payments
Have you already lost your car to repossession? Is the bank threatening to repossess your car because of unpaid payments? Whatever the case, you have options. By filing for bankruptcy, you might be able to work out a plan to get you out from under repossession threats made by your lender.
An Experienced Lawyer Working for You
At the Law Office of Henry Hernandez, we find solutions for people who have fallen behind paying their car, truck ATV or boat payments in Florida. While we focus especially on representing the Spanish-speaking community in Florida, we are also capable or helping anyone who faces repossession.
Find out what options you have if faced with the repossession of your car, truck, motorcycle or boat, by contacting our Naples of Miami offices for a free consultation.
Chapter 7 Bankruptcy — Getting Rid of Your Vehicle
When you have fallen so far behind on your payments that you just want a fresh start, Chapter 7 bankruptcy allows you to turn over your vehicle to your lender. When you surrender your vehicle, you will not have to pay any money left on the lease or loan. You will be free to move on with your life.
Chapter 13 Bankruptcy — Trying to Keep Your Vehicle
You can also work out a more reasonable payment arrangement for your vehicle in repossession if you file for Chapter 13 bankruptcy. While there are some distinctions between the options you have when trying to save a car, boat or other recreational vehicle, we will help you find options to keep your vehicle from repossession.
Even if you want to just get rid of your car, you still have options that prevent lenders from seeking out the deficiency judgment you owe after your car is auctioned off.
Schedule an Appointment with an Attorney to Find Out More
If you fell behind your lease or loan payments and now face repossession, the sale of your motor vehicle might be the answer for you. To find out about your options, contact us at the Law Office of Henry Hernandez for a free consultation.
Se habla español — Free Initial Consultation
