At The Law Office of Cliff Brisson, Jr., we know that your car or truck is an essential part of your life. Without it, you can't drive to work, pick up your kids from day care, go to the grocery store or perform other essential tasks. With more than 35 years of experience, our auto repossession lawyer is here to help you explore every avenue for keeping your vehicle.
In North Carolina, the lender can repossess your vehicle by private means as long as there is no breach of the peace. This means that if you're not making your car payments, the lender is allowed to hire a repo company to bring a tow truck to your house at 3 a.m. and take your car away.
You do have options for avoiding car repossession. One action you can take is to make your vehicle unavailable to the repo company. If you suspect your car or truck may be in danger of repossession, keep it in a locked garage or somewhere else so the repo company is not able to locate or access the vehicle. If the vehicle is physically unavailable, the lender will be forced to sue and get an order from the clerk of court in order to make you turn the vehicle over to it.
Another option for avoiding repossession is to file chapter 13 bankruptcy. Chapter 13 can potentially provide a way to structure your car payments and make them affordable again. Filing bankruptcy will also eliminate any unsecured debts such as credit card bills and medical bills. Once these other debts are gone, you may find that you have more than enough money to make car payments.
To learn more, contact The Law Office of Cliff Brisson, Jr. by giving us a call or sending us a message. We offer free initial consultations, and payment plans are available for qualified clients. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.