Car repossession help · Beverly Hills
Car Repossession Help in Beverly Hills to Get Your Car Back
Car repossession help in Beverly Hills starts with timing: a bankruptcy filed before the lender sells your car can stop the sale and may get the car back. If your car was just taken or the lender is threatening to take it, call (310) 362-9071 today.
- Look for the Notice of Intent to Sell
- The sale date is often only weeks away
- Personal items in the car must be returned to you
- Call before the sale
Signs you need help now
- You are two or more payments behind and the lender has called about repossession
- Your car was towed in the night
- You received a Notice of Intent to Sell
- You need the car to get to work
How we help with a repossession, step by step
- Find the sale date. California generally requires the lender to send a Notice of Intent to Sell before selling a repossessed car. That notice tells us how much time we have.
- Look at the options outside bankruptcy. In some cases you can reinstate the contract by paying what is past due, or redeem the car by paying it off.
- Choose the chapter. Chapter 13 lets you catch up over time and, for some older loans, reduce the balance to the car's value. Chapter 7 can stop the sale but does not let you catch up over time.
- File before the sale. We file and notify the lender right away.
- Ask for the car back. We demand return of the car. If the lender will not return it, we can ask the court for an order.
Cost and timeline
You get our fee in writing at the consultation. Car cases are often Chapter 13, which has a different fee than Chapter 7.
Repossession timelines are short. The lender can usually sell the car soon after the notice period ends, so call the day the car is taken.
Repossession in California and Los Angeles
California's car finance law gives buyers specific rights after a repossession, including notice before the sale and, in many cases, a chance to reinstate or redeem. If the car is sold for less than you owe, the lender may sue for the difference, which bankruptcy can also discharge.
Your bankruptcy is filed in the Los Angeles Division of the U.S. Bankruptcy Court, Central District of California, at 255 East Temple Street. Lenders here often want proof of insurance and a plan for payments before returning a car, so we prepare those in advance.
Mistakes to avoid
- Hiding the car. It does not stop the debt and can create new problems.
- Letting insurance lapse. Lenders will not return an uninsured car.
- Ignoring the deficiency. After a sale, you may still owe thousands.
- Waiting past the sale date. Once sold, the car is gone.
Related services
To keep a financed car after Chapter 7, read about reaffirmation agreements in Beverly Hills. If your home is also at risk, see how to stop foreclosure.
Car repossession questions
Can bankruptcy get my repossessed car back?
Bankruptcy can often get a repossessed car back if you file before the lender sells it. You will usually need to show insurance and a way to pay, often through a Chapter 13 plan.
Can I lower my car payment in Chapter 13?
Yes, you can sometimes lower your car payment in Chapter 13. If you bought the car more than about two and a half years before filing, the loan can often be reduced to the car's value at a lower interest rate.
Do I still owe money after the car is sold?
Yes, you may still owe money after a repossessed car is sold, if the sale price is less than the balance. That deficiency is usually dischargeable in bankruptcy.
What happens to my things inside the car?
Your personal things inside a repossessed car must be returned to you. Contact the lender or repossession company in writing to arrange pickup.
Free consultation
Call before the car is sold
Call (310) 362-9071 or send the form. Have the Notice of Intent to Sell and your loan statement ready.
Law Offices of John Asuncion9454 Wilshire Blvd., Penthouse Floor
Beverly Hills, CA 90212
(310) 362-9071
Monday to Friday, 9 a.m. to 6 p.m.