Repossessions
Stop Vehicle Repossession With Bankruptcy
Real Solutions for Repossession and Auto Loan Debt in Western Pennsylvania
If you’ve fallen behind on your car loan payments and are worried your vehicle may be repossessed—or already has been—you’re not out of options. At The Debt Erasers, we help individuals and families in Johnstown, PA, and surrounding areas stop repossessions and regain control of their vehicles through the power of Chapter 13 bankruptcy.
Our experienced bankruptcy attorney can guide you through a legal process that not only stops repossession in its tracks but also lowers your monthly payment and gives you a realistic way to catch up on what you owe—so you can move forward without fear.
No Pressure - Just Answers
How Bankruptcy Stops Repossession
When you file Chapter 13 bankruptcy, it immediately activates an automatic stay—a legal order that prevents your lender from repossessing your vehicle or continuing collection efforts. Even if your car is already scheduled for repossession, this stay can stop it from happening.
Better yet, Chapter 13 doesn’t just delay the problem—it gives you a solution.
With a Chapter 13 repayment plan, you can:
- Cure your arrears (missed payments) over 3–5 years
- Lower your monthly car payment
- Reduce your interest rate
- Keep your car and catch up without penalties or late fees
Example: Restructuring Your Auto Loan in Bankruptcy
Let’s say you owe $10,000 on a vehicle and are struggling to make payments. Through a Chapter 13 Plan, you may be able to restructure that loan so that your new monthly payment is only around $180, depending on the terms of your repayment plan.
This type of restructuring makes it possible for you to keep your vehicle without overextending your budget, all under the protection of the bankruptcy court.
What If My Vehicle Has Already Been Repossessed?
If your car has already been repossessed, time is critical—but you may still be able to get it back by filing Chapter 13 bankruptcy quickly. As long as the vehicle hasn’t been sold at auction yet, filing bankruptcy can force the lender to return the vehicle and give you a path to make things right.
For most people in Johnstown, Clearfield, Punxsutawney, and Somerset, a car is more than just a vehicle—it’s a lifeline. You need reliable transportation to:
- Get to work
- Take your children to school or daycare
- Attend doctor’s appointments
- Handle everyday responsibilities
Losing your vehicle can spiral into lost income, missed opportunities, and further financial hardship. Chapter 13 bankruptcy offers a powerful way to break that cycle and get back on your feet.
Who Can Benefit From Chapter 13 Bankruptcy?
You may benefit from filing Chapter 13 if:
- You’re behind on your car payments and facing repossession
- Your vehicle was recently repossessed but hasn’t yet been sold
- You’re paying a high interest rate and struggling to keep up
- You need a structured plan to repay your debt while keeping your car
Repossession can happen fast. One day you’re behind on a few payments—then suddenly your car is gone. The sooner you contact a bankruptcy attorney, the more likely we can stop the repossession and help you restructure your loan under more manageable terms.
If your vehicle has already been repossessed, time is even more critical. Call us right away to see if we can help you recover it through Chapter 13 bankruptcy. At The Debt Erasers, Kenny P. Seitz will take the time to review your unique situation and help you decide if Chapter 13 is the right fit for your needs. We’ll explain your rights, review your options, and help you take the first step toward lasting financial relief.
Help Is Closer Than You Think
Johnstown Office
319 Washington Street, Suite 238
Johnstown, PA 15901
814-536-7470
Clearfield Office
301 E. Pine Street
Clearfield, PA 16830
814-765-2699
Somerset Office
118 South Kimberly Street, Suite 30
Somerset, PA 15501
814-536-7470
Punxsutawney Office
103 North Gilpin Street, Suite 307
Punxsutawney, PA 15767
814-765-2699
Contact Us About Your Case
Ready to take the first step toward a fresh financial start? Contact The Debt Erasers today to schedule your free consultation. We’ll listen to your situation, answer your questions, and help you build a clear, personalized gameplan for debt relief through Chapter 7 or Chapter 13 bankruptcy. There’s no pressure—just honest guidance from a team that truly cares.