Deficiency Judgment After Car Repossession?
Chapter 13 Bankruptcy: How to Keep Your Car and Stop Repossession for Orange County, California Residents
If you live in Orange County, California—whether in Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, or Yorba Linda—and you are struggling with car payments or facing repossession, Chapter 13 bankruptcy may help you keep your vehicle and stop repossession.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy, also known as the “wage earner’s plan,” lets Orange County residents with a steady income reorganize their debts through a court-approved repayment plan lasting three to five years. Unlike Chapter 7 bankruptcy, which may require selling assets, Chapter 13 protects your property—especially your car—by letting you catch up on missed payments while continuing current payments.
Understanding Car Repossession in Orange County, California
Car repossession usually begins after missed payments. In California, lenders can repossess your vehicle without a court order or prior notice, as long as they do not breach the peace. After repossession, vehicles are typically auctioned, and if the sale does not cover your loan balance, you may owe a deficiency balance.
How Chapter 13 Bankruptcy Stops Repossession
Filing Chapter 13 bankruptcy triggers an automatic stay that immediately stops repossession attempts. You can include missed car payments in your repayment plan and have three to five years to catch up while continuing regular payments.
Vehicle Exemptions in California
California offers state and federal exemption options to protect your vehicle’s equity during bankruptcy. This is especially important for residents in Orange County cities such as Anaheim, Irvine, Santa Ana, Huntington Beach, and Mission Viejo. A local bankruptcy attorney can help you choose the right exemption.
Why Choose a Local Orange County Chapter 13 Bankruptcy Attorney?
Local attorneys understand Orange County’s bankruptcy courts and laws. They can help you:
Evaluate your financial and car loan situation
File Chapter 13 bankruptcy properly
Maximize vehicle protections
Guide you through repayment to keep your car
Contact Us to Protect Your Car Today
If you’re behind on car payments in Orange County, don’t wait for repossession. Call Bankruptcy Near Me at 714-798-2544 or email info@bankruptcynearme.org for a free consultation. Serving Anaheim, Irvine, Santa Ana, Huntington Beach, Fullerton, and all Orange County.
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