Repossession

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Do not lose your car or truck to repossession. If a lender is threatening to repossess your vehicle—or has already taken it—you may still have options, but time is critical. In many cases, you have only about 10 days to take action before the vehicle is sold.

If your lender has not yet repossessed your car or truck, contact us immediately. Filing a Chapter 13 bankruptcy in Richmond, VA may allow you to stop the repossession and set up a court-approved repayment plan that helps you keep your vehicle.

If your vehicle has already been repossessed, call our office right away. We may be able to help you recover your car or truck through bankruptcy protection.

📞 Call 804-288-4328 now to speak with a Richmond repossession attorney before it’s too late.

Repossession is a lender’s legal right to reclaim secured property when loan payments are not made as agreed. Repossession most commonly applies to cars, trucks, motorcycles, and other vehicles, while the term foreclosure is used for real estate.

If a lender is attempting to repossess your vehicle, you should contact an experienced Richmond repossession and bankruptcy attorney immediately to discuss your legal options.

When you purchased your vehicle, you signed a loan agreement granting the lender the right to repossess the car if payments were missed. The most common form of repossession occurs when a lender sends a tow truck to seize the vehicle—often without prior notice.

There are several legal strategies that may help prevent or reverse repossession:

If you can pay all past-due payments and associated fees, the lender may choose not to repossess the vehicle. However, payment alone does not always guarantee protection.

Some lenders may agree to a modified repayment plan if you contact them early. This option is not always reliable and depends on the lender.

Chapter 13 bankruptcy is one of the most effective ways to stop repossession. Filing triggers an automatic stay that immediately halts repossession efforts and may allow you to recover your vehicle if it was recently repossessed. Timing is crucial—there is typically a short window of about 10 days before the car can be sold.

After repossession, the lender may offer you the opportunity to redeem your vehicle by paying all missed payments plus repossession fees. For most people, this amount is unaffordable, which often results in the permanent loss of the vehicle.

This does not have to be the outcome. A Chapter 13 bankruptcy filing can often stop the sale and help you keep your car or truck—but you must act quickly.

At Bruce W. White, P.C., we have extensive experience helping clients in Richmond, VA avoid losing their vehicles and other valuable property through bankruptcy protection.

If you are facing vehicle repossession, do not wait. Early action can make the difference between keeping your car and losing it permanently.

📞 Contact Bruce W. White, P.C. today at 804-288-4328 for a free telephone consultation.
Speak with a trusted Richmond repossession and bankruptcy attorney who can explain your options and help you protect what matters most.