Need Help Preventing a Repossession or Getting Your Car Back?
Huebner Law Firm, PC can help. My name is William L. Huebner, and I understand how stressful it is to be without a car, especially if it is your primary mode of transportation. As aFort Worth bankruptcy attorney with more than 20 years of legal experience, I can help you navigate the legal process for protecting your property.
If your car has not yet been repossessed, but you have defaulted on your loan, your lender may attempt to take it from you at any moment. It is essential to begin the bankruptcy process as soon as possible. Once you file, an automatic stay goes into effect that halts any collection actions by a creditor, including repossession.
- Chapter 7 will help by temporarily delaying the repossession to give you time to pay off your loans or make other arrangements. In certain cases, you might not have to forfeit your car at all.
- Chapter 13 will let you keep your car and will give you three to five years to catch up on your outstanding debt.
Getting Your Car Back
If your car has already been repossessed it is essential that you take action immediately. Lenders typically waste little time when reselling cars that have been repossessed. As soon as the title passes, the car is no longer yours, which means that you only have a small window of time to get it back. Huebner Law Firm, PC can help you file for bankruptcy as soon as possible to prompt an automatic stay that will prevent the lender from selling your car.
- Chapter 7 – You might be able to negotiate with the lender to get your car back, but it is generally not the best option. You would most likely need to repay all loans plus the fees for repossession in a short period of time.
- Chapter 13 – The best option for getting a repossessed car back. Your lender will likely return the car, as part of your payment plan would include repaying debt and repossession costs over a longer period of time.
Whatever your case may be, when your car is on the line, you don’t have time to waste. Huebner Law Firm, PC is ready to help you fight for your vehicle! Call (817) 576-1889 for a free consultation today.
- Drowning in debt
- Feeling stressed because of your finances
- Being harassed by creditors
Why should I file for bankruptcy
There are a number of benefits to bankruptcy, including avoiding foreclosure and putting an end to creditor harassment. Filing can also help resolve issues concerning repossession, past-due taxes, child support payments, and wage garnishments. If you’ve been sued because of a debt, filing for bankruptcy can also help you fight the lawsuit. I can help you understand what filing can mean for you and your family.
Will I lose all of my property
You might be surprised to hear that individuals who file for bankruptcy often lose little to nothing. Every case is different and the amount that you might have to forfeit depends upon a number of unique and complex factors. However, our firm is proud of our success in helping clients retain those assets that are important to them.
Can all debts be discharged
Most debts can be discharged in a bankruptcy, but not all. Some debts—such as most taxes, child support and alimony payments, and student loans—are nondischargeable, meaning they cannot be eliminated altogether. Fortunately, for these debts, it is possible to reschedule or re-organize your payments to be more manageable.
How does bankruptcy work
Bankruptcy can work in one of two ways. First, by filing for a form of bankruptcy referred to as Chapter 7, you can eliminate all dischargeable debt, including credit cards, car loans, mortgages, medical bills and more. Second, you can file a form of bankruptcy known as Chapter 13, which works to re-organize your debts to give you a longer period of time to pay them off. Chapter 13 is preferable to individuals dealing with nondischargeable debts, do not qualify for Chapter 7, or have high-value assets that they wish to protect.
Why do I need a lawyer
You could certainly file for bankruptcy on your own, but it’s not recommended. You’re already anxious enough without the added complexities of navigating the legal process. Having a lawyer handle your case takes the responsibility off of your shoulders and ensures that every detail will be handled correctly and on time. Not sure you can afford an attorney? Huebner Law Firm, PC offers flexible payments plans to help with your bankruptcy case. Get in touch to learn more.
When will I see results
The timeline for bankruptcy can vary on a case-by-case basis. In general, bankruptcy cases are completed between three to six months, depending on a variety of factors. As your attorney, it is my job to make sure the process is completed efficiently and to fight for your rights every step of the way. Speeding can lead to costly mistakes.
For nearly 20 years, my firm has fought relentlessly for people struggling with debt, many of whom are just trying to get by. We have provided the one thing our clients need: results.
Many families fear bankruptcy as much as they fear asking a lawyer for help. The first thing we want you to know is bankruptcy is not an admission of failure; it’s a way to reclaim control over your financial situation. With that in mind, you can ask for help freely, without worry.
My firm has an in-depth understanding of the law and how it affects your finances. Our primary goal is to free you from debt and stress. With our understanding of the law and a thorough examination of your situation, you can be sure certain that we’ll explore every possible avenue of debt resolution.
There’s nothing to lose—our initial consultations are free and starting your case requires no upfront payment. Our flexible payment plans begin at $50 a week, so call today!
Courts judge people, but we don't.
We are backed by 20+ years’ experience.
We offer completely free consultations.
It is $0 down to start your case.
We offer competitive pricing.
Our payment plans start at $50/week.
We have helped over 10,000 families.
We make weekend appointments available!