Is the Repo Man on his way over to pick up your car? You’ve tried to keep up with the payments, but between higher gas prices and putting food on your family’s table, you just can’t keep up. And forget about trying to explain your circumstances to the loan company. All they want to hear is a check number and when they’ll be getting their money. Or worse, they’re sending the big burly Repo Man to steal your car from you in the middle of the night. There really is no worse feeling than waking up in the morning, getting ready for work, getting the kids ready to take to school, and when you walk outside your front door, the car is gone, and all that remains is a note from the Repo Man, notifying you that you’re kids will be missing school today and you’re walking to work.
Thankfully, bankruptcy law is designed to protect you from repossession. It is not uncommon for lenders to use such scurrilous tactics to get their money…
We understand that things happen. A child gets sick and even though you have health insurance; the deductible is so high, that because you’re living from paycheck to paycheck, all of the sudden, you come up short for your car. You hope that you’ll be able to make it up by the next month, and hopefully only have to pay a late fee, but unfortunately, things have gotten slow at work, and you’re now down to 4 days a week.
The worst part is that these lenders don’t have to wait 2 or 3 months to send the Repo Man in the dead of night to take your car. Legally, if you’re one day late, your car could be gone the next day.
All of us at Gudeman & Associates understand how important your transportation is to you keeping a job, taking the kids to school, and taking care of all of the errands you must run. Who’s going to pick up the milk for the kid’s cereal in the morning?
We’ll do everything in our power to make sure your kids aren’t having their cereal with water or worse, going to school hungry in the morning.
If you call us immediately, sometimes we can get your car back the next day. But if you hesitate, your ability to get your car back may be gone forever.