Can a Chapter 13 Bankruptcy Help Get My Repossessed Car Back?

100% Secure & Confidential

Attorney Hart was very professional and helped us every step of the way.

E. Lancaster

Andrew Hart is truly a Consumer Attorney with a heart <3. He is an expert in his field of law and guided me through a stressful and emotional time. Making the decision to file bankruptcy which resulted from a catastrophic event relating to my husband's hemorrhagic stroke and permanent disability causing me to become his full-time Caregiver and give up my lucrative career in 2018 was not an easy decision to make but a necessary one! Andrew Hart is the attorney you want in your corner if you too for whatever personal reason brings you to contemplate bankruptcy. I highly recommend his services!!

M. Randall

Response time from initial contact was the same day. Options were offered immediately, and the issue was settled in less than 60 days for a reasonable price. I have used this firm twice in the past and would certainly use them again, and recommend to others. A big thank you for a job twice well done!

K. Burnett

Very Hard worker!!! I don't know how he manages to keep me on point and manages his business, too. But I will get a call or an email from him all the time... Kada, I need this, I need that. And I appreciate that because I'm a busy man. And I can get irresponsible with some things. But anyway... great guy, he's straightforward with you and he don't take no mess. I'm glad he's on myside.

P. Flip

Thank you very much for an excellent job in resolving my issue in a very competent and expeditious manner.

J. Temple

Attorney Hart was very professional and helped us every step of the way.

E. Coats

Very helpful and informative consultation.

Calvin

This was the second time that I contacted Mr. Hart for legal assistance. He has always been timely with any response, helpful in each situation, & answered my questions completely. I would contact his office again & would recommend him to family & friends without hesitation.

S. Camby

Andrew was incredibly helpful! He gave me great advice and assisted me when I really needed it. I would 10/10 recommend his services to others!

B. Fisher

Hart Consumer Law (Andrew) and his team did a tremendous job of keeping me informed throughout the process. 7 years later I needed some information and direction and without hesitation Andrew called answered my questions and went the extra mile when he clearly didn't have to. I pray to God I never have to enter his office again, but when those hard trials of life come "I hope you do"!

C. Mcguire

I can’t thank Mr. Hart enough. The process was seamless and painless. So thankful to have this behind me. Thank you Mr. Hart!

C. Vilardo

Knows what he’s talking about. Presented options articulately that made sense. Will use him again in the future.

Brandt

See more of our reviews!

View All

Home » Blog » Can a Chapter 13 Bankruptcy Help Get My Repossessed Car Back?

With the pandemic, job losses and an economic recession, more and more people are finding it difficult to keep up with monthly payments on their vehicles. Having a vehicle to drive to work or transport children to school is a necessity. Even if your vehicle has been repossessed in South Carolina, a Chapter 13 bankruptcy may still be able to get your vehicle back and allow you to keep paying for it.

If your car has been repossessed due to missed payments, but has not yet been sold by your lender, you can get your car back by filing a Chapter 13 bankruptcy if you are able to show you can afford to make payments on the vehicle. How much payments are will be depends on the balance of the loan and how much longer you have to pay on it and other facts, but in the simplest terms you can keep the vehicle if you can afford to pay for it along with your other obligations. You are also not required to pay the entire past-due balance all at once. In your Chapter 13 plan, you are able to pay the past-due amount in monthly payments over the course of your plan, which generally lasts three to five years.

Hart Consumer Law, LLC exclusively represents consumers and advocated for their interests. If you are interested in learning more about a potential Chapter 13 bankruptcy filing to save your vehicle from repossession, contact us for a consultation and learn what options are best for you.

Call (864) 574-0870

Get Started Today

Tell us a little about your situation and we'll be in touch to discuss how we can help. All consultations are completely confidential.

"*" indicates required fields

Take the first step toward peace of mind

You don’t have to face financial hardship alone. Whether you have questions about bankruptcy, need help stopping creditor calls, or want to explore your options for saving your home, our team is ready to help. Reach out today for a confidential consultation.

Get In Touch

100% Secure & Confidential

(864) 574-0870

Available 24/7

First Steps at Hart Consumer Law

Have Any Questions?

We know that dealing with financial and legal issues can feel overwhelming. Here are answers to some of the questions we hear most often. If you don't see what you're looking for, don't hesitate to reach out.

Get In Touch

100% Secure & Confidential

When do I need and attorney?

If you’re being contacted by debt collectors, falling behind on mortgage payments, or considering bankruptcy, it’s important to speak with an attorney as soon as possible. Early legal guidance can help protect your rights and give you more options before the situation escalates.

What issues does consumer law cover?

Consumer law protects individuals from unfair business practices. This includes issues like abusive debt collection, wrongful foreclosure, bankruptcy protection, deceptive lending, and violations of federal and state consumer protection statutes.

Will I have to go to court?

Not always. Many consumer law matters can be resolved through negotiation, settlement, or administrative filings without ever stepping into a courtroom. If your case does require a court appearance, we’ll prepare you and be by your side every step of the way.

Visit our office or
get in touch today

We welcome the opportunity to discuss your situation and help you understand your legal options. Contact our office or stop by for an in-person consultation.