Worcester Repossession Lawyers

Helping Clients Avoid the Loss of Their Vehicles

When you are behind on your car payments, the lender may repossess your vehicle. This can be a huge inconvenience, especially if you need your car to get to work or take care of your family. If you are struggling to make your car payments, you may be able to avoid vehicle repossession by filing for bankruptcy.

We recognize how hard it is to have your vehicle repossessed. We are here to help learn about your rights and how to avoid repossession. Our legal team has several decades of collective expertise. Get in touch with us for a free initial consultation with a seasoned repossession lawyer in Worcester.

If you are facing repossession of your car or other vehicle call Morrison & Associates, PC at (508) 928-3038 or contact us online to schedule a free consultation.

Relief From Auto Repossession

If you fall behind on your car payments, the lender will certainly call you to speak about your options. It pays off to be proactive in this case. Avoiding the lender is only going to make matters worse. When the lender reaches out to you, be ready to talk about your situation.

There are several options for avoiding repossession, including:

• Payment extensions
• Debt consolidation
• Refinancing the loan
• Renegotiating the loan
• Selling the vehicle
• Filing for bankruptcy

If you are facing repossession of your car, you should consult with an attorney to fully understand your options. At Morrison & Associates, PC, we can help you understand the benefits and drawbacks of each option.

How Bankruptcy Can Help You Keep Your Vehicle

If you are dealing with repossession, bankruptcy may be an option if you qualify. When you declare bankruptcy, the court will order what is called an automatic stay. The automatic stay is a temporary order that bars creditors from collecting your debts. The lender cannot seize your vehicle while the automatic stay is in effect. The automatic stay will remain in effect during the entire bankruptcy process. This means that you will have a few months to catch up on your car payments and avoid repossession.

Both Chapter 7 and Chapter 13 bankruptcy can help you avoid vehicle repossession, however, the right option for you will depend on your financial situation. Be sure to talk to an experienced repossession lawyer in Worcester before filing for bankruptcy.

What to Do If Your Vehicle Has Already Been Repossessed

If your vehicle has already been repossessed, you should consult with an attorney as soon as possible. You may be able to get your vehicle back if you act quickly. You may also be able to discharge the deficiency balance on your car loan by filing for bankruptcy.

There are several steps you can take if your vehicle has been repossessed, including:

• Review the vehicle purchase agreement
• Review the repossession notice
• Consult with an attorney

If your vehicle has been repossessed, you should call Morrison & Associates, PC at (508) 928-3038 to schedule a free initial consultation with one of our seasoned Worcester repossession attorneys.

Our Repossession Attorneys Serve Worcester, South Easton, Springfield, and Beyond

We have decades of experience, successfully handling over 5,000 cases in Worcester County and throughout Massachusetts. We take pleasure in delivering individualized service, ensuring that you interact directly with us throughout the legal process, never being handed off over to a paralegal or junior staff member. We understand that your concerns may not follow regular business hours, so we provide weekend and evening appointments for those who need it. Connect with us now for a free initial consultation, and let us guide you through foreclosure law.

For more information, call our Worcester office at (508) 928-3038 to schedule a free consultation with a qualified repossession lawyer at Morrison & Associates, PC.