Will filing chapter 7 stop a repo on my car?

Yes, filing a Chapter 7 bankruptcy can temporarily stop a repossession of your car because of the automatic stay. If you are behind on your car payments and cannot afford your car payment after bankruptcy, then generally you will not be able to reaffirm and keep your car after your Chapter 7 case is discharged.

In this case your car can still be repossessed after your bankruptcy discharge. However, any debt that you still owe on the car would be discharged in your Chapter 7 bankruptcy and you would no longer owe the debt.

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Most financial problems result from some unexpected change in life — divorce, health issue, loss of job, or loss of a loved one. Missy lives in Alabama and she came to us as her father was really struggling with financial issues related to credit card companies after his wife passed away. Here’s what Missy had to say: I would highly recommend this attorney. He helped my father after the unexpected loss of my mother with some very difficult financial problems… (Read more)

- Missy in Alabama

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This site is intended for Alabama residents only. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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Watts & Herring, LLC
Alabama Consumer Protection Lawyers
301 19th Street North
Birmingham, Alabama 35203
Phone: (205) 879-2447

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