Repossession

Chapter 7 Bankruptcy Repossession Attorneys in San Diego

Reliable Legal Support for Repossession Issues

We currently live in an economy where everything seems to be uncertain. Especially after the global tragedy of COVID-19, it is clear that the aftershock will have significant ripple effects for months or even years to come, as employers and employees alike struggle to maintain an income in a world slipping quickly towards recession. Despite the fact that you and many other hardworking Americans may not immediately have the funds available to pay all your debts on time, creditors and debt collectors quickly begin eying your assets, hoping to profit even when you are severely struggling, usually for circumstances outside of your hands.

It does not matter if you have been crippled by an onslaught of medical bills, lost your job due to pay-cuts, or simply need a little extra time – debt collectors are out to repossess anything they can get ahold of, especially objects of large value like your car. When you suspect creditors of threatening you with repossession, you need to quickly contact our repossession lawyers in San Diego. At the Debt Relief Legal Clinic, we can rapidly start the bankruptcy process that can save your car from being seized.

Call (619) 639-9228 to get in touch with our Certified Bankruptcy Team for a free consultation. 

Protect Your Vehicle: How Bankruptcy Can Help

When creditors come skulking around trying to snatch your car, there is still hope. Filing for either Chapter 7 or Chapter 13 bankruptcy is a great alternative for losing your only means of transportation, which is crucial to your ability to get to work, earn your salary, and pay off your debts in the first place. One of the greatest advantages of filing for either chapter is that you will instantly be granted an automatic stay.

If you have an “automatic stay,” there is no way that creditors can keep demanding you to make payments – debt collection is off the table. If they were in the process of taking your car, creditors must immediately halt in their actions.

Understanding the Advantages of Chapter 7 & Chapter 13 Bankruptcy

If you are unfamiliar with the process of bankruptcy, you may think it to be too overwhelming to apply for as you struggle to simply get through all your other forms. In reality, however, there are many advantages of bankruptcy that should outweigh any of your initial fears.

The benefits of Chapter 7 Bankruptcy include:

  • Possibilities for re-negotiating the amounts for your monthly bill, so you can afford more manageable payments
  • Being able to maintain possession of your car if you continue to make concise, regular payments as agreed upon through the repayment negotiation
  • Potential ability to have debts discharged not only for your repossessed vehicle but any remaining deficiency balances as well

The benefits of Chapter 13 Bankruptcy include:

  • The ability to finally afford to pay smaller, more manageable bills
  • Complete guarantee that creditors cannot seize your car, due to an automatic stay
  • Prohibition of harassment from debt collectors continuously threatening to repossess your vehicle

Personalized Legal Services for Your Repossession Needs

Do not delay in contacting our experienced team at Debt Relief Legal Clinic. Our repossession attorneys in San Diego are completely certified professionals. This is why you can trust them to give you personalized, individual care as you apply for bankruptcy. Additionally, if your home is in danger of being foreclosed, we can also assist.

Contact us now at (619) 639-9228 to get relief from repossession threats against your vehicle. Please don’t hesitate to request your free consultation today. 

Why Choose Debt Relief Legal Clinic?

  • Certified Bankruptcy Specialist
    Attorney John C. Colwell has been recognized by the State Bar of California as one of 12 certified legal specialists in San Diego County for Bankruptcy Law.
  • Experienced
    Our attorney has over 35 years of experience and has dedicated the firm to consumer bankruptcy.
  • Bilingual
    Our legal team is bilingual and serve our clients in English and Spanish.
  • Immediate Past President of NACBA
    John C. Colwell has been a member of NACBA for 25 years and is the Immediate Past President.
  • Personal Approach
    We are a family-oriented business, committed to helping you get relief from debt.
  • Affordable

    We offer free consultations and take online payments for your convenience.

Contact Us Today

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Hear From Our Happy Clients

At Debt Relief Legal Clinic, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    “He was very helpful in explaining the difference between my options”
    Daniel Wiedecker was extremely helpful. I had a unique situation in that I had two choices at the time of my appointment. One choice would cost me some legal fees the other choice none. He was very helpful in explaining the difference between my options. I will return to utilize his services when my situation changes.
    - Steve M.
    “They gave me expert advice and saved me a bundle of cash.”
    These are the nicest attorneys I have ever spoken to. They gave me expert advice and saved me a bundle of cash. They were so nice to me and responded so quickly and extensively via email.
    - Gina V.
    “I would wholeheartedly recommend this business to any of my family and friends.”
    I decided to use this company for help with my business needs. The assistant Vanessa was extremely helpful and easy to work with! I would wholeheartedly recommend this business to any of my family and friends.
    - Vera L.
    “John C. Colwell makes every effort to get the help you need, with no catch! No hidden fees, costs, or surprises.”

    It it is a tremendous relief, there is such a business as Debt Relief Legal Clinic!! I learned about DRLC from a close friend who had to file chapter 7 some years ago. This place has 30 Years of Bankruptcy Experience and demonstrates a highly proficient and professional approach to personal debt matters. John C. Colwell makes every effort to get the help you need, with no catch! No hidden fees, costs, or surprises. He is very honest and upfront from your initial consultation, about the likelihood of the outcome of your case, and the process- which is simple and very straightforward. His fees are EXTREMELY reasonable considering the professional and efficient service provided- you can even make payments for the fees (worth every penny to walk away debt free!). As part of the process, you will learn, you are required to take a couple of online classes. The classes are designed to educate you, to manage your debt moving forward, and remaining debt-free...avoiding the trouble you got yourself into in the first place. The fact DRLC has a practice that not only eliminates or consolidates your debt (depending on your case), but guides you to to remain debt-free, shows the sign of a company with a true vested interest in your success of becoming (and staying) debt-free! You could not ask for anything more from a firm of this type. I HIGHLY recommend anyone feeling the pains or stress of being in debt to (at the very least), consider a consultation with DRLC. You will forever be grateful for a service of this type, that navigates you through a (seemingly) overwhelming process.

    - CD O.
    “They were prompt and reminded me often of what the next requirements were so that I never skipped a beat.”
    Mr. Colwell and his team were awesome in assisting me through what started as a Chapter 13 and converted to a Chapter 7. They were prompt and reminded me often of what the next requirements were so that I never skipped a beat. The courts know his team and work with them to see to it that matters get resolved quickly. I would encourage anyone considering bankruptcy to contact DRLC first!
    - Lisa H.
    “I can't say enough about how wonderful the staff and the attorneys are to work with through the process.”
    I want to recommend the Debt Relief Clinic for their wonderful service and knowledge, which you need when you're at a tough time in your life. I can't say enough about how wonderful the staff and the attorneys are to work with through the process. They give wonderful advice and always answer any questions very quickly. I really recommend this law firm.
    - Laura M.
    “John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services.”
    John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services, attention to our questions and knowledge in their field of law.  We would recommend anyone to this law firm.  They are specialists and you are in good hands with this talented group of professionals.
    - Allie F.
    “He basically held our hands throughout the whole process and made it much less stressful for us.”
    Mr. Colwell is an excellent attorney.  Thanks to him, my husband and I have a new start without being mired in credit card debt.  He basically held our hands throughout the whole process and made it much less stressful for us. Thank you, Mr. Colwell!
    - Chris A.