Is there a worse feeling in the world? Stepping outside in the morning to get to work, school, or the doctor and realizing that your car is gone. And not just your car, but all the stuff in your car as well. Getting it back is usually impossible without the help of a Missouri car repossession lawyer, and even then, it may be too late.
If you are behind on your car payments by more than a month, please call us right away. We know how to help you avoid your car repossession and can advise you on what to do if it has already happened. Often, if you file a Chapter 13, we can get your car back as long as it hasn’t been sold. If your car was repossessed or if you’re defaulting on your loan in Missouri and you’re looking for a “car repossession lawyer near me”, you’ve come to the right place! We have offices in St. Charles and Troy so when you choose Westbrook Law Group, you can rest assured knowing that help with debt is always nearby.
Creditors have many ways to collect on debts. People are most familiar with debt collectors calling or sending collection letters to try to collect on loans or debts. Even though this is the most common way to collect debt, debt collectors have other ways to get repaid. One common method is to repossess the property used to secure a debt. This method happens most with items like cars, but also with items like household appliances and TVs.
Legally, creditors can repossess your property if the property is serving as security interest or collateral on a debt. If the debt is not paid, the creditor may take possession of the property used to secure the loan. There are a few things to keep in mind, however. A creditor cannot just walk up and take possession of your property. The creditor must first head to court and obtain a court order or permission from someone in your home to enter it.
Even if you miss just one payment, you may be in default on your loan, and the creditor is entitled to take the property. Additionally, if you make your payments, but fail to comply with an important term for the security agreement, they may have a right to your property. This may happen for instance, if you have a car but let the insurance lapse.
You may also be declared in default if you’re current with payments but the property is sold, destroyed, or stolen. Also if the creditor feels you will not be paying out the rest of the loan or you do not let the creditor examine the property at its request.
Most of the time you may have a chance to a “right to cure” the default. All that means is catching up on payments before the property is repossessed. In Missouri, you will have 21 days to take care of it or they will move forward with the repossession.
“What started as a very difficult time for our family was quickly taken off of our shoulders by Westbrook! They were so very patient and answered every question-sometimes multiple times. They walked us through the entire process and were there for us every step of the way. We have the opportunity to start over and grow from our experience due to Westbrook. We are so very grateful for their wonderful service.”
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If you don’t have a car you can’t get to work, take your kids to school, or get to the doctor or other important appointments. In our area of Missouri, public transportation is unreliable to non-existent. Your car is your lifeline and most people cannot carry on without it. When your debt begins to snowball and you risk losing your transportation it is time to reach out to an experienced car repossession lawyer near St. Charles and Troy, MO. Call our office and we will help you keep your car, job, and family safe.