Are you fearful about your car being repossessed by your creditor? Are the endless calls disrupting your daily life? You are not alone in your struggles. Thousands of people go through the same dread every year. Don’t let the fear stop you from making decisions to protect your assets. Smart steps can be the differentiating factor saving you from further trouble.

The Law Office of Joel Gonzalez is here to aid you through this tiring process. Car repossession can be a tricky process and hiring a specialty attorney can make you aware of important rights that you could potentially be unaware of. Let’s review the rights assigned to you as a debtor and how a lawyer might be able to stop it.

Your Protective Rights

Even though, under laws of the state of Texas, a car can be repossessed by a creditor at any moment as soon as a payment is late, you are legally protected from any threats or harassment the creditor might make. The lender is also not legally allowed to show up at your workplace without permission. The lender must also undergo legal proceedings such as providing notice of repossession before seizure.

debt-burden
A debt relief law firm can assist in evaluating legal strategies for repossession defense

Why Seeking a Lawyer is Essential

A car repossession lawyer in Robstown can assist in slowing down the process of repossession by helping you apply for alternatives such as:

  • Better Negotiation: A lawyer might be able to expertly negotiate with the lender so you can catch up with payments
  • Request a Deferral: Requesting a deferral of loan will allow you to move pending payments to the end of the loan term or skip some payments for a limited time
  • Exploring Refinance:Taking a new loan with better terms will change the lender and give opportunity to settle the previous one
  • Seek Further Debt Relief: Even aftercar repossession, you might still have to pay off the remaining amount and require other debt relief options
  • Assessing Fairness of Repo: You might be able to appeal against the lender in cases of unfairness which a lawyer could spot
  • Navigate Reinstatement:A lawyer could help you get a good reinstatement deal that protects both your property and credit.

Bottom line is that you don’t have to go through complex proceedings and maybe even unfair car repossession means alone.

Take Action Now

Your best bet is to take action before it’s too late and solve repossession issues by contacting a lawyer. The Office of Joel Gonzalez specializes in handling asset repossessions and any other debt related problems.  As a tried and tested repossession lawyer in Robstown, my expertise is always available to assist in lessening the burden and fear of dealing with creditors. For further help understanding your rights, contact now for a free consultation.