When a car is repossessed, financers require large down payments to release vehicles. There are late fees, tow fees and storage fees added to the balance. So, if you want your vehicle back, you will probably pay more than the payments you fell behind on.
Generally a person is given 21 days to retrieve a vehicle before it is auctioned. During this time you must figure out what you want to do with the car. Once the vehicle is sold, it is no longer your vehicle to try and redeem. Usually vehicles are sold for next to nothing so not only are you car-less but you probably owe a large balance on a car you do not have anymore.
You have a solution to the problem! File a bankruptcy with Peter Francis Geraci and Geraci Law. If you want to keep car, a Chapter 13 bankruptcy must be filed before the car is sold. Geraci Law attorneys can file in as little as one day. A Chapter 13 is a 3-5 year repayment plan consolidating debt based on your income and expenses.
If you do not want the vehicle, you will owe a deficiency after the car is sold. A Chapter 7 bankruptcy can eliminate your obligation to the balance with any other credit cards, medical or other debt. Filing either bankruptcy will stop creditors from calling and stop any lawsuits!