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Having your car or another item repossessed can be a stressful and embarrassing experience, and it may also place you in serious difficulty if you have lost your means of transportation.

At the Law Offices of Marshall D. Schultz, we understand that this may be a challenging situation for you, and we will go out of our way to help you find a solution to your problems. Our firm has a welcoming and informal atmosphere where we can meet comfortably to discuss your options and begin work on a plan of action. With offices located in both Detroit and Southfield, we aim to serve multiple cities.

When you fall behind on your payments for any type of loan, whether it is for a car, jewelry, an appliance or another item, the creditor has a right to collect on the amount you owe. If phone calls and written notices fail to get you to pay, repossessing the item is a last resort action which will have the effect of satisfying the loan.

A bankruptcy attorney from our firm may be able to help you avoid the shame and inconvenience of repossession, but it is vital to take action as early as possible to increase your chances of success

Threatened with repossession?

We can intervene on your behalf when you have received notice of an impending repossession action. Your attorney will contact the creditor and attempt debt negotiation for better terms such as a lower interest rate or a reduced balance on the loan.

Creditors are often willing to comply with such a request when they learn that you have hired an attorney because they can see that you are serious about resolving the situation in your favor. The resale value of the item may additionally be less than the amount you owe.

Declaring bankruptcy under Chapter 7 or Chapter 13 may be the best option for you, as it will protect you through an automatic stay against further creditor action, as well as addressing the underlying problem of owing more than you can realistically afford to pay back.

Contact our attorney if you have any questions concerning repossessions. 

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- Audrey H.
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