• Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

My Car Was Repossessed! Can Bankruptcy Help Get It Back?

attorney, attorneys, lawyer, lawyers, California, CA, Bankruptcy, repossess, car towed , stockton, citrus heights, roseville, sacramento If a lender has repossessed your vehicle, it is possible to get it back using bankruptcy, even if you’re behind on payments.

Timing

The most important element in retrieving your repossessed vehicle is timing. Once your vehicle is repossessed by the lender, you must immediately contact a bankruptcy attorney so that they can begin the process.
 
In California, there are laws governing how repossessions take place, and lenders are required to give you notice. It’s these notices that you need to be aware of and respond to immediately.
 
Notice #1: The repossession agency has 48 hours to give you a Notice of Seizure which will include the contact information of the legal owner and the repossession agency.
 
Notice #2: The repossession agency must then give you a 15 day notice of their intent to sell your vehicle. You then have the power and the legal right to request a 10 day extension which will buy you more time to file bankruptcy.
 
It’s important to note that California law requires the lender to reinstate your loan if you repay all the past due payments. However, they are only required to do this once in a 12 month period or twice over the life of the loan.
 
If you know that you cannot afford to pay back all of your delinquent car payments immediately, filing Chapter 13 bankruptcy may help you. But you need to move quickly because once your vehicle is sold at auction it will be too late.

Chapter 13 Bankruptcy

Even if you’re delinquent on your car payments, you can still keep your vehicle if you file Chapter 13 bankruptcy. Chapter 13 bankruptcy allows you to repay your delinquent car payments over the course of three to five years along with your other debts.
 
Once you file Chapter 13, the bankruptcy court will put an automatic stay on the sale of our vehicle. This means that the lender cannot auction off your vehicle until that stay is lifted. After your Chapter 13 bankruptcy plan is approved by the trustee, your vehicle will be returned to you.
 
If at any point you fail to fulfill the requirements of your Chapter 13 bankruptcy plan, the lender will resume collections actions, including repossession.

Chapter 7 Bankruptcy

Even if you file Chapter 7 bankruptcy, you may still have a chance to get your repossessed vehicle back. However, you will need to cure any default (catch up on missed payments) and the lender may ask that you reaffirm the debt.
 
If you’ve lost your vehicle to repossession, call us today, we may help you get it back.

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