stop car repossession in Florida

Repossession of a vehicle is an unfortunate situation too many people suffer.  If a borrower fails to make timely payments for a car loan the lender may begin the repossession process. See Florida Statute 537.012. For many, cars are essential to getting to and from work, school and repossession can have devastating consequences. Moreover, missed payments can lead to the bank initiating repossession without even providing notice to the borrower. Fortunately, there are options borrowers who need to stop car repossession in Florida. If you received threats of a repossession contact a bankruptcy attorney for legal advice right away on how to stop car repossession in Florida. An experienced Tampa bankruptcy attorney may be able to prevent the car from being repossessed and help you keep your car.

Stop Car Repossession in Florida with the Automatic Stay

If you have defaulted on a car loan, the lender usually can have the car repossessed without notifying the owner. See Florida repossession laws. When this happens, bankruptcy can help stop the repossession and have the car returned. The moment bankruptcy is filed an automatic stay goes into effect. The stay is a common solution for borrowers seeking to stop car repossession in Florida. The automatic stay forces creditors to cease all collections attempts against you. This means, creditors cannot continue to call you, continue with a lawsuit, repossess, or foreclose on your property. In this situation, timing is everything. If you may soon default on a car loan and need help with how to stop car repossession in Florida, it’s important to speak with a Tampa bankruptcy lawyer before your car is repossessed. If you want too long the automatic stay may not be able to help.

Stop Car Repossession in Florida with Chapter 7 or Chapter 13

Borrowers generally can file for either Chapter 7 or Chapter 13 bankruptcy. A bankruptcy lawyer in Tampa can provide options for how to stop car repossession in Florida and help advise on which form of bankruptcy may be best for your specific situation. Chapter 7 is a liquidation bankruptcy. Thus, in a Chapter 7 you may be required to sell certain assets as part of the bankruptcy. On the other hand, Chapter 13 is a restructuring bankruptcy, instead of selling assets to pay creditors you create a payment plan to pay back the amount owed. For more information on the differences between Chapter 13 & Chapter 7 bankruptcy call us at 800 990 7763 to speak with a bankruptcy attorney in Tampa.

Tampa Bankruptcy Law Firm

Chapter 13 is just one tool to stop car repossession in Florida. At Florida Law Advisers, we understand filing for bankruptcy can be a very confusing and intimidating process.  That is why we work so hard to make the process as easy as possible for our clients. When you hire Florida Law Advisers, P.A., you get an experienced bankruptcy lawyer in Tampa by your side every step of the way. We will help ensure your rights are protected, keep you well-informed, and help you receive the most benefits bankruptcy can offer. To schedule a free consultation with a Tampa bankruptcy attorney call us today at 800 990 7763.

Frequently Asked Questions

What if I don’t want to keep the car?
Will bankruptcy stop a car repossession?
Can the bank garnish my wages?
How does Chapter 13 prevent a car repossession?
20 replies
  1. Charles F.
    Charles F. says:

    Victim of loan fraud by dealership. (T.I.L.) Saddled with a lease payment that is $115.00 per month higher than disclosed. Dealer manufactured a down payment loan of $4,000.00 without proper disclosure or permission. Credit application and other documents modified by dealer apparently to cover process after I took possession of a Toyota lease car. Disabled, SSI only at $500.00/mo, reside in county-subsidized Section-8 accommodation. The lease payments are almost exactly monthly income. No room for rent, car insurance, gas or life in general. How can any lender approve this file? Appealed to both lenders who state that it is not their concern. They rubber stamp anything directly from Toyota without checking file. Can not afford this and wish to pursue. CFPB and other watchdog agencies are like a toothless grandmother. If the other party refuses to reply or disagrees, the issue ends.

  2. Richard B.
    Richard B. says:

    I have offered my auto lender payment and they have refused And they have refused to work with me To get the account satisfied Now they are telling be my vehicle is up for repossession they are calling my family friends My parents my grandparents everybody please help me with this matter

  3. Tip D.
    Tip D. says:

    I had a lender retitle a car in my name. The lender refused to produce a loan contract to me and said it was an oral agreement (with my boyfriend who was gone). The car was at a body shop getting work done and the lender had to car ‘repossessed’. And the body shop was never paid off for the work. Is there any action I can take to get the car back?

  4. Trina
    Trina says:

    I was rear ended on 2/14 while traveling from one client to another. Long story short I now have a PIP lawyer and a worker’s comp lawyer for my lost wages. My job has denied my claim so have 0 income since. Behind 2 payments on car and their saying they sent me a RTC that I never received. Now saying car will go for review this Friday for repo, do I have any options

  5. Audrey
    Audrey says:

    Currently on unpaid maternity leave and 36 weeks pregnant. I have a title loan on my car. I have told the loan company that I’m facing hardships and couldn’t make payments until I go back to work. They seem unwillingly to work with me and every time i talk to them, they tell me if I don’t make a payment right then and there, they will repossess the car. There’s only $700 left on the loan. Is there anything I can do or help I can get?

  6. Emmeline
    Emmeline says:

    I’m looking to get my car repo I’m moved to another state I have email the dealership which was a buy here pay here. They don’t reply to my emails. I don’t wanna be charge with a stolen vehicle . What do I do ? How much will you charge me ?

  7. Andrea
    Andrea says:

    Hi there, my grandmother took out a car for my uncle who passed away. She has defaulted on July payment and now they have repo the car a week and a half after july due date. They are saying she owes more months but it’s not true and now they changed their story saying she owe this and next month which statement is not even out. the car is a lease, is there anything we can do to get the car back?

  8. Penny
    Penny says:

    Is there help available for a handicapped person to get a repossessed car back? They have no money, family assistance is exhausted. He is a triple amputee and needs the car to transport his power chair to anywhere he needs to go. His carrier was taken along with the car. They have struggled to hold on to the car and made partial payments weekly until the last couple of weeks.


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