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What To Do If Your Car Lender Won't Talk To You After Filing

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In a Nutshell

It is not uncommon to have a lender react this way after a bankruptcy filing. When you file a bankruptcy an automatic stay goes into effect, which means that creditors cannot continue in any collection efforts while the bankruptcy is ongoing.

Written by Attorney Eva Bacevice.  
Updated September 3, 2020


It is not uncommon to have a lender react this way after a bankruptcy filing. When you file a bankruptcy an automatic stay goes into effect, which means that creditors cannot continue in any collection efforts while the bankruptcy is ongoing.

In this situation you should request to speak directly to the bankruptcy or loss mitigation department. Then, you can explore your options such as whether you want to maintain payments, sign a reaffirmation agreement, seek a redemption (where you pay for the current value of the vehicle, not the remainder of the loan) or surrender the vehicle.



Written By:

Attorney Eva Bacevice

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Eva G. Bacevice graduated from the University of Michigan Law School in 2001. She practiced law for close to a decade in the area of consumer bankruptcy. She now works in higher education as an Academic Advisor for undergraduate students at the Stephen M. Ross School of Business,... read more about Attorney Eva Bacevice

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