Detroit repossession

Repossession Attorney in Detroit

Car notes are survival debt in metro Detroit. Losing the vehicle that gets you to a shift recreates the income crisis that caused the default. Timing the filing around a repo assignment matters.

Detroit bankruptcy attorney Stephen A. Thomas

Auto Loans in Wayne County

A Chapter 13 plan can often catch up a car note and, in qualifying cases, restructure the loan inside the plan. Chapter 7 may still be the better tool when the vehicle is protected by a Michigan exemption and the unsecured medical and credit-card debt is the real problem.

Once a lender assigns the account for repossession, waiting a week to “see if they call back” is how the car leaves the driveway. Eastern District filings from the Grand River Avenue office are built around that clock.

If the Car Was Already Taken

Bring the repo date, the lender name, and whether this is the car that gets you to work. Some Chapter 13 cases can be used to seek return of a recently repossessed vehicle. That conversation belongs on a same-week call to (313) 965-2265.

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Stephen A. Thomas, PLC

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Washington, D.C., Maryland, and Michigan.

Choose your market for local court, service-area, and office information. Stephen A. Thomas is licensed in Washington, D.C., Maryland, and Michigan.