My Car Was Repossessed What Can I Do?

In Pennsylvania, you must act quickly after a repossession. Below are a few options you will have:

Option # 1 Contact your lender and obtain the reinstatement amount. This amount will include any and all arrearages to bring the account current. However, this amount may also include the entire loan balance. Also, the lender will include costs associated with the recent repossession and storage of the vehicle.

Option # 2 You can file bankruptcy to get your car back. You must act quickly as you will need to file prior to the vehicle being sold by your lender. A chapter 13 will provide you with an opportunity to repay arrearages and continue to make monthly payments.

Option # 3 Do nothing. If you do nothing your lender will sell your car. If your lender sells your car and the price your lender receives is not enough to pay the full remaining balance of your loan, your creditor can then attempt to collect the remainder of the loan balance from you.

Option # 4 You can file bankruptcy to discharge the remaining balance. If you decided to do nothing, and your lender sold your car and has now sent you a bill for the remainder of the loan balance you can file bankruptcy to discharge the remaining balance owed to your lender. Your attorney can help you best evaluate whether you qualify for chapter 7 or chapter 13 bankruptcy and provide you with your personalized options.

Lastly, If your car has not been repossessed but you are afraid a repossession will happen soon, we may be able to help. Bankruptcy can prevent a repossession before it happens and allow you to catch up on your payments. Visit our FAQ page for answers to all types of commonly asked questions about debt relief.

Call, email, or chat with our office. We have convenient office locations in Greensburg, Latrobe and Johnstown. We offer free personalized debt consultations.


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

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