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Stop Reposession

Fresno Bankruptcy Attorney Helps You Stop Repossession

Experienced California attorney stops creditors from seizing your car and other property

Motor vehicles are essential to the livelihoods of many Californians. There may be no public transportation between your home and your work place. If you fall behind in your car payments, you face the prospect of your vehicle being repossessed without warning. At Gates Law Group, A Professional Corporation we have helped Californians stop the repossession of automobiles and other assets, such as RVs and boats, for the past four decades.

Dependable law firm stops repossessions through bankruptcy

Filing for bankruptcy results in the imposition of an automatic stay that prevents your creditors from repossessing your car or other consumer goods that are subject to liens. The automatic stay takes effect when the creditor receives notice of the bankruptcy, but the court can take several days to mail out the notice. If you face the possibility of repossession before that, then we will notify the creditor of the stay immediately upon filing the bankruptcy petition.

If you have had a previous bankruptcy dismissed within the past year, the automatic stay will expire in 30 days, and if you have had two previous bankruptcies dismissed within the past year, it will not take effect at all. If you are in either of these positions, we can still ask the court to grant a stay, although our success will depend on proving that the dismissal or dismissals were not your fault.

Adroit attorney helps you prevent renewed efforts to repossess your property

The automatic stay can be challenged. The creditor can move for relief if it can prove that it has the right to repossess the property in question and that its interests will not be protected in the bankruptcy proceeding. If a creditor seeks relief, we can ask the court for time to solve the problem, and the court will likely grant it as long as the court believes that you are willing to work with the creditor in good faith.

There are several possible solutions that, separately or together, could allow you to keep the property:

  • Curing the default — If the bankruptcy stops enough of your creditors from collecting on their debts, you might be able to use the savings to bring other debt payments current.
  • Negotiating with creditors — A creditor might be willing to make it easier to bring your payments current by forgiving overdue interest or reducing your payments, since seizing and reselling the property might earn it less money than if it compromised on the debt.
  • Redeeming the property — You can possibly buy back a car or other property at fair market value, which could be less than your debt payments.

We will analyze your circumstances and do our best to work out a solution that will let you keep the property.

Contact a dedicated California repossession lawyer for a consultation

Gates Law Group, A Professional Corporation helps California consumers stop repossessions through the bankruptcy process. Please call 559-432-9944 or contact us online to schedule a consultation. We serve clients from our main office in Fresno and locations in Paso Robles and Visalia.

COVID-19 Notice

These are unquestionably difficult times. We understand the word "crisis". Usually, people do not come to us just to say hello. They come with their problems and we have to respond quickly. We understand they need help.

The problems do not stop because of the presence of the COVID-19. Assistance from our office will continue. We have the technology available to provide our clients with continued quality legal services in order to protect their interests. We can meet our clients virtually whether by telephone or video. We can meet our clients in person but with special arrangements and implemented safeguards.

In spite of the pandemic, life does not stop. You may continue to have legal needs. Some people will have greater needs than others. We stand ready to help whatever the circumstances.

Your continued faith in us never goes unnoticed.

Allowing us to help you is a privilege we take very seriously. Gates Law Group, A Professional Corporation Tough. Competent. Understanding.

Our Office
  • Fresno Office
    2445 Capitol Street
    Suite 160 E
    Fresno, California 93721
    Phone: 559-432-9944
    Fax: 866-740-6678
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