Hello, my name is Matthew Cherney, attorney and owner of Cherney Law Firm in Marietta, Georgia. Is your vehicle in danger of being repossessed or has it been repossessed? My firm can help. Over the years, I've helped thousands of clients deal with vehicle repossession. Oftentimes, it's unexpected expenses that cause someone to fall behind on their vehicle payments. The issue isn't always making the payments going forward; it's getting the money together to catch the payments up. Before you know it, you may be in danger of having your vehicle repossessed, and we all know that here in Georgia, especially, vehicles are essential. Most people don't know that a Chapter 13 bankruptcy can prevent a creditor from repossessing your vehicle if you've fallen behind on the payments. A Chapter 13 allows you to propose a plan to pay back the amount owed on your vehicle over a three to five-year period. You may be able to pay back less than what you actually owe on the vehicle, depending upon when the vehicle was purchased. Not only can Chapter 13 prevent a vehicle creditor from repossessing your vehicle, but it can also assist you in getting your vehicle back. If it's already been repossessed, if that's the case, you need to act quickly. If you've fallen behind on your vehicle payments or your vehicle has already been repossessed, please contact my office. I offer a free consultation, and I'm happy to speak with you about your options.
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Out of state repossession laws Form: What You Should Know
Do so by using a paper form issued by your lender. An alternative is to use an online form. Get tips on Avoiding Repossessions at DMV State Repossessions in California — Vehicle History What Do Lenders Need to Know About Vehicle Repossession in California? Your lender will likely ask you to sign a release when you apply for a loan. If there are issues with the repossession, it can cause problems for you, such as being charged a higher monthly payment or defaulting on the loan. When repossession is ordered, the lender may try to sell your vehicle to satisfy a repossession fee. How to Handle Repossession Notice at DMV If your loan is in default, and the repossession order was sent by the DMV, you will not have to pay a repossession fees. However, your loan may still be in default and your lender may have received information from the DMV that you still owe them money. Make sure to have a copy of the information that you got from the DMV and an explanation for when you received the notice. This may help you determine your rights. The best way to obtain your rights is to use the Department of Motor Vehicles (DMV) online form. The form asks for the name, address of the lender, and the name and address of your lender or repossess or. STATE REPAYMENT LAW IN CALIFORNIA REGISTERED AUTOMOBILES (CARS) There are three different kinds of repossession statutes in California: Repossession of a vehicle under Collects Repossession of a vehicle for a public purpose Repossession by loan in default Collects Statute Under Collects, a repossession agent can only repossess a vehicle if the loan is in default or repossession is necessary to pay for repairs. If we sell your vehicle to the Lender's Agent, you can still have the repossession removed if that is the law at the time. A repossession order filed under Collects does not limit your options or rights as defined in the Federal Consumer Financial Protection Bureau's (PCB) guidelines on Consumer Protection and Repossession.
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