Free Telephone Consultation

Stay connected with us:

Schedule a Free Phone Consultation

Stopping Vehicle Repossessions Through Bankruptcy

If you are behind on your car, truck or motorcycle payments, your auto creditor may try to take back your vehicle, leaving you with no way of getting to work or completing other tasks critical to your own and your family’s well-being. Facing potential vehicle repossession can be upsetting – however, declaring bankruptcy may be able to save your vehicle. The experienced bankruptcy lawyers at McDowell Posternock Apell & Detrick, PC have over 80 years of combined experience helping their clients protect their vehicles by filing bankruptcy. We will fully explain your rights and guide you through all the necessary steps to help keep your car and your life intact.

How Bankruptcy may Save Your Car

Filing Chapter 13 bankruptcy can immediately stop the repossession of your car, and you will be put on an interest-free three-to-five year plan to pay back your debts. You will no longer have to deal with the stress of possible repossession; the threat of wage garnishment will be gone and creditors will no longer be able to threaten or harass you by phone or mail. All communications will be handled by one of our knowledgeable attorneys, giving you security and peace of mind.

If you filed Chapter 13 bankruptcy and have owned your car for over two and a half years, we also may be able to set up a “cramdown.” This will enable you to reduce the amount you owe to the value of the car and reducing your payment. If your circumstances allow, one of our experienced lawyers will help you restructure your debt in this way. Another option is to file Chapter 7 bankruptcy, which will allow you to eliminate credit card and other debts, to free up finances for your car payments.

Has your vehicle already been repossessed? New Jersey repossession law dictates that you have a 10-day window to get your car back. Act fast – we can file an emergency bankruptcy and possibly help you reclaim your car.

Why should I seek legal help to prevent the repossession of my vehicle?

  • Get professional assistance in keeping your car by declaring bankruptcy and restructuring your car payment.
  • Get back your vehicle if it has already been repossessed.
  • Possibly reduce your monthly payments.
  • Learn the truth about bankruptcy and how it will impact your credit and overall lifestyle.
  • Receive assistance rebuilding your credit.

Seek bankruptcy advice through a free phone consultation

It’s not too late to prevent the repossession of your motor vehicle – the knowledgeable South Jersey bankruptcy attorneys at McDowell Posternock Apell & Detrick, PC can help. Call us or fill out our contact form to schedule a free phone consultation.

i felt as if she was looking
out for us like family

We closed our house sale yesterday with Melanie Levan. She was so professional, knowledgeable and great to work with. I felt as if she was looking out for us like family. I highly recommend her.

Debbie Poley Thompson

Our Awards

McDowell Posternock Apell & Detrick attorneys have received recognition from various groups and publications. Specific awards are noted on our attorney bios. More information about each of these awards and the methodology used for selection can be found on the following links. Super Lawyers, Awesome Attorneys, South Jersey Biz Best Attorneys in Business. No aspect of these accolades has been approved by the Supreme Court of New Jersey.

Schedule a Free Phone Consultation

Fill out the form below to receive a free and confidential initial consultation.
For immediate assistance during business hours, call us at (856) 861-3474.
*Bankruptcy consultations may be scheduled in person

Toll Free




Maple Shade

46 West Main Street
Maple Shade, NJ 08052

Fax: (856) 482-5511

Map & Directions


400 North Church St. Suite 250
Moorestown, NJ 08057

Fax: (856) 642-6148

Map & Directions

Browns Mills

57 Juliustown Rd
Browns Mills, NJ 08015

Fax: (609) 893-1277

Map & Directions


1528 Walnut St, Suite 2015
Philadelphia, PA 19102


Map & Directions

Stay connected with us: