Repossession defense in Texas and Oklahoma
Bankruptcy's automatic stay can stop a repossession, and Chapter 13 can let you keep the car by curing the default over time. If the car is already gone, we address the deficiency balance. Free consultation.
Before the car is taken
Can bankruptcy stop a car repossession?
After the car is already gone
Once repossessed, the lender typically sells the car at auction and bills you for the deficiency — the gap between what you owed and what it sold for, plus fees. That deficiency is an unsecured debt that Chapter 7 can discharge. Sometimes a filed Chapter 13 can even compel return of a recently repossessed vehicle.
What we review
- Whether the default and repossession followed the contract and state law
- The deficiency amount and how it was calculated
- Whether keeping the car through Chapter 13 makes financial sense
Prior results do not guarantee a similar outcome. Every matter is different and depends on its own facts.
No outcome is promised or guaranteed. Descriptions of process are general and are not a prediction about any specific matter.
The information on this page is provided for general informational purposes only and does not constitute legal advice.
Attorney advertising. This material is for general information and may be considered advertising under the rules of the State Bar of Texas and the Oklahoma Bar Association.
Frequently asked questions
- They repossessed my car — do I still owe money?
- Often yes. After the lender sells the car, you may owe the deficiency balance plus fees. That balance is usually dischargeable in Chapter 7 bankruptcy.
- Can I get my repossessed car back?
- Sometimes, if you act very quickly. A Chapter 13 filing shortly after repossession can, in some cases, compel the lender to return the vehicle. Call promptly.