Helping You Fight Back Against Repossession

If you are facing financial difficulties, the prospect of having your car repossessed can be frightening and altogether discouraging. Losing your car, in many cases, makes it difficult or impossible to get to work, which only makes your financial problems even worse by threatening your job and financial security.

The attorneys at Janvier Law Firm, PLLC, are here to help you through this challenging period. Our established legal team will take the time to fully learn about your situation so that we can provide you with strong legal advice. We are committed to taking the necessary steps to better protect all of your assets, including your vehicles, jewelry, your home, and more.

Understanding North Carolina's Repossession Laws

Repossession is the process during which a secured creditor seeks to seize property once a borrower defaults on the contract. Repossession can begin as soon as an account becomes delinquent because the creditor does not need to obtain a court order. Creditors are typically not required to provide advanced notification that repossession is occurring.

So long as the creditor does not "breach the peace," a repossession agent can begin repossessing your assets which can include:

  • Boats
  • RVs
  • Campers
  • ATVs
  • Trailers
  • Rent-to-own property such as electronics and furniture

While there is no clear legislative definition, a breach of the peace typically refers to a range of actions, including the following:

  • Threatening or inciting violence
  • Physical altercations
  • Entering your home without permission

Can I Get Property Back That Has Been Repossessed?

It is possible, but you have to act quickly because once it's been sold, you cannot get it back. If you file Chapter 13 bankruptcy after repossession, you may be able to get it back if you can show the court:

  1. You need the vehicle to complete the terms of your bankruptcy
  2. Your Chapter 13 plan provides for paying the loan secured by the vehicle in accordance with the provisions of Chapter 13

We Will Work To Protect Your Property

Repossession can be incredibly intimidating because debtors often feel like they have no other option but to allow repo men to take their vehicles. With help from a skilled bankruptcy lawyer, however, you can get a better idea of your rights and options, especially the possibility of keeping your primary vehicle during the bankruptcy process.

If filing bankruptcy is in your best interest, the attorneys at Janvier Law Firm, PLLC, in Raleigh, North Carolina, will work to begin the bankruptcy process on your behalf immediately. The automatic stay of bankruptcy can halt repossession proceedings and stop debt collectors from harassing you.

Our attorneys bring more than 30 years of legal experience to your case to help you identify the right solution for your needs. We have been recognized by the legal community as an ethical, hardworking and knowledgeable law firm. You can be sure you are receiving trusted legal advice tailored to fit your personal circumstances.

Make An Appointment To Speak With Us

If you have questions about repossession or would like to learn more about how bankruptcy may be able to help you in repossession situations, contact the lawyers at our law firm to schedule a consultation. Call 919-301-0628 or contact us online to get started.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.