James C. Warr & ASSOCIATES, PLC

Warren Lawyer Who Can Stop Vehicle Repossession

Keep Your Car Or Get It Back Through Chapter 13 Bankruptcy

Legally, the bank or finance company can take your vehicle if you miss just one or two car payments. Filing for Chapter 13 can prevent repossession or even allow you to retrieve your repossessed car.

If you are worried about losing your vehicle, James C. Warr & Associates can help you take action. In addition to avoiding repossession, a special provision in the bankruptcy law may allow you to restructure your car loan on more favorable terms.

Southfield lawyer James Warr represents individuals and couples in Oakland County and Metro Detroit. Contact us today for a free consultation about repossession and bankruptcy.

Warren Car Repossession Attorney: Chapter 13 Protection

As soon as you file for Chapter 13 bankruptcy, the automatic stay prevents lenders from repossessing your car or hiring a third party to do so. Chapter 13 bankruptcy allows you restructure your car loan over three to five years.

Vehicle already repossessed? Filing for Chapter 13 may allow you to get it back — so long as it has not yet been sold at auction. Contact James Warr immediately to preserve your rights.

Refinancing Your Auto Loan Through A Chapter 13 Cramdown

Bankruptcy can halt home foreclosure, but it doesn't modify the primary mortgage. However, Chapter 13 bankruptcy can modify the terms of your car loan. You can invoke the "cramdown" if you have owned your car for at least 910 days (2½ years). The loan balance is reduced to the current market value of the vehicle, and the interest rate or number of remaining payments may be reduced.

Take Action To Save Your Vehicle

James Warr personally handles every case. He can intervene to prevent repossession or retrieve your repo'd car, and he will help you take full advantage of your bankruptcy filing. We offer free consultations, including evenings and weekends by appointment. Talk to an Oakland County attorney who can stop vehicle repossession. Call 1-877-462-9277 or contact us online to talk to an experienced Oakland County Chapter 13 bankruptcy attorney.

We are a debt relief agency that assists people in filing for bankruptcy relief under the Bankruptcy Code.

A lifelong Detroiter, James C. Warr has been a consumer bankruptcy attorney since 1992. He has received degrees from Michigan State University and the University of Detroit Mercy School of Law. He established James C. Warr & Associates in 1995. The firm is an active member in many professional Associations...