I don’t know everyone in the world, but I assume no one truly wants to get their car repossessed. And often times if someone is behind on their car note, despite receiving notices, he or she never truly knows when and where the repo man, or woman, will strike.
For a Memphis grandmother, the timing wasn’t ideal.
Ruth Brown had just arrived back at her home from the grocery store with her 4-year-old grandson asleep in the back seat. With the boy being too heavy for her to carry, Ms. Brown went inside the house to ask someone else to carry him in.
“The car was right there,” Brown said.
Though Ms. Brown claims she wasn’t inside the house for more than five minutes, it was just enough time for the repo man to swing by the house and seize the car. However, he wasn’t aware of the sleeping child in the back seat.
Ms. Brown and her boyfriend then returned back outside to the car to find it and her grandson missing – terrifying!
Fortunately, Ms. Brown’s grandson was returned safely. Unfortunately, she has no car and has been publicly-criticized for her actions – or in her words, “being made out as the villain.”
Though I don’t condone leaving a vulnerable and sleeping child outside in a car by himself or herself, even for 5 minutes (which is kind of a long time in this situation), I can’t really speak on that part of this incident.
However, as a Memphis bankruptcy attorney, I can speak on the car repossession part.
If you’re behind on your car payments, you don’t have to sit and wait for the repo man, or woman, to come and take your car. Did you know you can file for bankruptcy to pay your debt at a lower payment and interest AND keep your car?
If your car hasn’t been repossessed yet, by filing for Chapter 13, all creditor harassment will cease and your car will be safe from repossession. Then, through the bankruptcy process, all of your debts will be lumped into an affordable 3-5 year repayment plan. An experienced bankruptcy attorney can help you with this process.
We not only want to help you file for bankruptcy, but also give you a hand after and watch you recover. A bankruptcy law firm Memphis, TN trusts, like the team at Darrell Castle & Associates, can help manage the best timing for your case.
We do this by offering you access to a great 14-week program called “7 Steps to a 720” that will teach you how to re-establish and rebuild your credit the right way after a bankruptcy, with tips and secrets the banks don’t want you to know.
It’s not too good to be true – if you’re in debt, you can keep your car, rid yourself of that debt and then start fresh, all through a bankruptcy. It’s nothing to be scared of.
If you have any questions or if you’re considering filing for bankruptcy, you can speak to one of our attorneys, free of charge, by filling out the “Get in Touch” form below or by calling us at (901) 327-2100.