"How To Get A Repo Off Your Credit" Discussion

Upsolve Community Member
I tried to turn mine in too.  They'll just ignore you and come get it very early one morning or in the middle of the night.  just clear out all of you belongings or they will be lost.

Upsolve Community Member
Hi Shelly, here is an article found in Upsolve's Learning Center: https://upsolve.org/learn/car-repossession-101/. This should answer most of your questions about the repo man! Good luck ahead! :-)

Upsolve Community Member
Hello! When mine was done I worked with the creditor for a convienant time. Technically from the date you file your bankruptcy they cannot reposses for 60 days unless you sign a waiver of that right for that specific car. 

Upsolve Community Member
Tyler, that's a great MOVE on your part to be ahead of the curve by contacting the Lender FIRST and making convenient arrangements. :-)

Upsolve Community Member
Thank you Tyler. Will do that. 

Upsolve Community Member
Sounds like there's a lot involved here! This article has info on TX repo laws: https://upsolve.org/learn/texas-repo-laws/  Maybe you can get a free consultation with a local consumer protection attorney? This article has a link with some info on how to find a consumer protection attorney: https://upsolve.org/learn/how-do-i-find-an-affordable-bankruptcy-attorney/

Upsolve Community Member
Thank you!!!!

Upsolve Community Member
Filing a Chapter 7 bankruptcy can temporarily delay a repo - if it's filed before the car is picked up - but it doesn't provide any mechanism to catch up on payments. 

Upsolve Community Member
Repossession is something that often makes people think about filing for bankruptcy- but what happens to the vehicle depends on the circumstances. 

Upsolve Community Member
https://upsolve.org/learn/bankruptcy-after-car-repossessed/

Upsolve Community Member
Sorry to hear about your pending repossession. :( You might want to look into learning about the https://upsolve.org/learn/when-surrender-car/ option so you can plan for being without a car and not have it taken when you're not looking.  Being familiar with https://upsolve.org/learn/repossession-and-your-rights/ could help you keep your car, or at least keep it a little longer. 

Upsolve Community Member
This article about the https://upsolve.org/learn/the-automatic-stay/ talks about how bankruptcy can temporarily stop a repossession.  If you're thinking about filing bankruptcy, it's worth reading.

Upsolve Community Member
Repoed vehicles make it hard to get around. The Upsolve article https://upsolve.org/learn/buying-a-car-after-repossession/ talks about getting a repoed vehicle back and how reaffirmation agreements in bankruptcy work with repoed vehicles. 

Upsolve Community Member
Thanks for asking about this. We have some free articles that may help you- like the one Jacky shared! This one might also help https://upsolve.org/learn/should-i-file-bankruptcy-after-repo/

Upsolve Community Member
Keep asking if you have more questions about this. We want to help however we can! 

Upsolve Community Member
Hi Nataya, I think the article https://upsolve.org/learn/should-i-file-bankruptcy-after-repo/ will help answer your question. It explains different options and scenarios involving car repossession and bankruptcy. 

Upsolve Community Member
Hello Nataya! Check out this article from the Upsolve Learning Center. Review it and see if this answers your question or, at least, brings you closer to deciding when to file. https://upsolve.org/learn/car-repossession-101/ hope this helps! :-) 

Upsolve Community Member
Hope those articles help! Please let us know if you have any other questions!