HOW DO I GET MY VEHICLE BACK?

BANKRUPTCY STOPS GARNISHMENT

After a vehicle has been repossesed, there is usally a short period of time before it is sold at auction.  If a bankruptcy can be filed before this happens, and proof of valid vehicle insurance is provided, your vehicle will be returned.  Bankruptcy prevents the sale of your vehicle, even if repossesed.

I HAVE MY VEHICLE BACK, BUT I'M STILL BEHIND - WHAT DO I DO?

Chapter 13 provids many ways to keep vehicles, even if you are behind.  One way to do this is to completely restructure, or rewrite, the loan.  Imagine taking your current vehicle balance, spreading out the loan over 3 to 5 years, and reducing the interest rate to 6%.  CHAPTER 13 PROVIDES A WAY TO DO THIS.

In some situations, you can even restructure the loan so that you are paying back the retail value of the vehicle instead of the loan balance (if the vehicle is worth $10,000 but you owe $15,000, you would only pay back $10,000).

CONTACT AN EXPERIENCED VIRGINIA BANKRUPTCY ATTORNEY TODAY FOR ASSISTANCE IN CATCHING UP OR LOWERING YOUR VEHICLE PAYMENTS TODAY!