I called my car lender to talk about my bankruptcy and they refuse to talk to me. What should I do?

3,327 families filed bankruptcy using Upsolve.

Written by Eva Bacevice, Esq.  
Updated May 16, 2019

A nonprofit web app that helps you file bankruptcy for free.
  • We've helped over 2,000 families each clear on average $52,556 of debt.
  • Our users often file within 10 days of starting.
  • Our award winning nonprofit's help is 100% free.

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.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.

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