Riverside Repossessions Attorneys
Proudly Helping Clients Save Their Vehicles & Other Property
The devastating effects of COVID-19 have left millions of individuals without jobs and slammed with countless debts. If you have been financially impacted by the pandemic and can no longer afford to keep up with your home or car payments, then you will likely face repossession from your creditors and lenders. In addition to the embarrassment you’ll experience when your car is towed or your house reclaimed, you’ll also still be liable for all of the remaining fees owed to your creditors and the additional fees for auctioning off your property.
In the end, a repossession will only add to your mountain of debt. However, there are opportunities you can take advantage of to spare yourself from these disastrous consequences, so long as you get guidance from a qualified and knowledgeable lawyer. Our dedicated legal team at The Turoci Bankruptcy Firm is here to discuss your situation and explain how to set yourself free from creditors' threats and demands.
Give us a call at (951) 784-1678 to speak to one of our lawyers about your repossession anxieties so we can devise a strong legal strategy for your case.
Terms of Repossession
Repossession occurs when a creditor, lender, or bank seizes your property or possession due to a defaulted loan. Items that can be repossessed, such as your automobile or home, are called “secured debts” because they are tied to distinct physical possessions.
Secured loans are outlined as being paid over a set time period for a specific amount, and if you fall behind on your monthly payments, then your creditors will attempt to repossess your property and possessions, regardless of how much money, time, and hard work you have already invested into your car or home. If you want to avoid this terrible ordeal, then you need to speak with a seasoned repossession lawyer to find a solution to your debt issues.
Using Chapter 13 Bankruptcy to Fight Repossession
If your creditor refuses to negotiate the terms of repayment, then filing for bankruptcy might be your best option to halt the repossession of your property. Once you file for bankruptcy, the court will issue an “automatic stay” that instantly stops repossession. The automatic stay goes into effect the moment you file for bankruptcy, regardless of how long your application takes.
Other benefits you gain by obtaining an automatic stay include:
- Stops all harassing calls coming day and night from creditors and debt collectors
- Stops foreclosure actions against your house so you can continue living in it
- Avoid facing garnishment of your hard-earned wages
What Are My Rights Rights During a Repossession?
Repossession agents must abide by certain laws when they retrieve your property. It is illegal for repossession agents to do the following:
- Threaten to harm you
- Make physical contact with you
- Enter a closed gate or garage
- Break locks or gates to access the vehicle
- Enter your home
- Continue with repossession if you verbally object (agents are required to abide even if you say "no")
If your rights were violated by a repossession agent, then you might be entitled to seek damages. Speak to us today to determine if you have a case.
Fighting for the Rights of Clients Facing Repossession
The process to halt repossession can be complex, however, our experienced repossession attorneys in Riverside are committed to helping clients secure the second chance they deserve. Our firm has the legal resources and knowledge of the law that you need on your side to protect your rights and fight to keep your hard-earned property.
To find out how we can help you, please call us today at 951-784-1678 to schedule a free case consultation.
I definitely recommend Mr. Turoci, he made my bankruptcy process go smoothly and easily.- Tom B.
The Turoci firm was amazing.- Katie L.
I'm very happy with the service I received from the Turoci Bankruptcy Firm, and I would recommend them to anyone looking to file bankruptcy.- Jamie G.
Todd, was great, He helped me to get through a rather tough time.- Eric Quinn
Thank you Mr. Turoci for assisting me with my financial situation. You and your staff (Daisy, Courtney, Laura, and Dana) were so helpful!- Kimberly Deasey
Certified Bankruptcy Specialists
Todd is one of the few Certified Bankruptcy Specialists in the Central District and the only one in the Inland Empire, as designated by the American Board of Certification.
Free, No-Obligation Consultation
Our firm offers free, no-obligation consultations for those who chose to retain our services.
We can understand how challenging this process can be and will guide you through, every step of the way.
We offer our clients after-hour, weekend and same day appointments to meet your busy schedule.
When you hire us, you will have direct access to your attorney from start to finish.
Our team is bilingual! We service our clients in English & Spanish.