Are you behind on a vehicle payment?  Has your lender threatened to repossess the car?  Repossession occurs when a creditor takes back property that was used as collateral or leased in a transaction.  If you are behind on your car note, the bank or third party that financed your vehicle can repossess the vehicle at any time. Texas law does not require the lender to give you notice of the repossession.  This “self-help” remedy is a unique legal action because your lender can repossess the vehicle without giving you notice or going to Court.  Although your lender may repossess your car without notice, and without court action, it is not allowed to breach the peace when taking back the property.

If you have recently lost your vehicle to repossession or are concerned about missed payments, it is critical that you contact my office today.  The Law Office of Michael P. O’Donnell is experienced in stopping a pending repossession and getting a vehicle back after the repossession.  As a Fort Worth Bankruptcy lawyer, I can fully protect you against this serious legal action. For a FREE consultation regarding repossession and how Bankruptcy may be able to save your vehicle, please call (817)-732-7590 or (972)-819-3861.  You can also send an E-mail or complete the Free Case Evaluation.  I look forward to assisting you.  Don’t lose your vehicle because of a bad financial situation.


When you purchased your vehicle, you probably signed a purchase contract or credit contract to finance the car. In these types of contracts, the buyer agrees that the seller, also known as the “lien holder”, may repossess the property if the buyer falls behind on payments.  Most lenders allow for a small grace period, which depends on the number of payments already made, the length of the business relationship, and reason for the default.  These contracts may also include fines and penalties the buyer must pay to cover the costs of the repossession, as well as the depreciated value of the vehicle.

When a lender decides to repossess your vehicle, it will usually work with a repossession agent. Most repossession agencies focus on auto repossession.  The agent typically uses a tow truck to repossess the vehicle, although some agencies will notify the owner and try to facilitate an amicable return without any surprises.

Many of our clients have lost their vehicles through the repossession process.  Some of them were only late by a few days.  Small lenders and banks are very aggressive and will exercise their repossession rights in a quick fashion.  To avoid this situation, it is critical to call an experienced and knowledgeable Repossession attorney now.


Once your car is repossessed, your options are extremely limited.  You can try to pay the balance owed at that point (which is probably not an option) or you can file an emergency Chapter 13 BankruptcyUnfortunately, time is not on your side once the car is taken.  You only have 10 DAYS after the repossession to file a Chapter 13 Bankruptcy and save the vehicle.  After this small window expires, the vehicle will be sold at auction.  If the lender fails to recoup the amount owed on the vehicle at auction, you may be responsible for the balance owed.  This remaining debt is considered unsecured, which can be discharged through Chapter 7 Bankruptcy.

If you want to save your vehicle from repossession, the Law Office of Michael P. O’Donnell can help.  First, we will need to review your situation and determine if you qualify for Chapter 13 relief.  If so, we will have to file an emergency case, and you will need to purchase or show proof of full insurance coverage.  You may also be responsible for the repossession costs and storage fees.

If your car has already been repossessed and the 10 day window has expired, we can still help you erase the unsecured debt through Chapter 7 Bankruptcy.  Call my office today to learn about your options and rights.


Defaulting on your car note could lead to repossession.  This is a serious remedy that can be avoided if you act quickly and contact my office in a timely fashion.  As a Fort Worth Repossession attorney, I can help you save your vehicle through an emergency Chapter 13 filing.  There is no reason to lose your car during a financial crisis.  My law firm understands that bad things happen to good people. Let me protect you against the harm and damage of repossession.  With my legal assistance, you can bounce back from your situation and keep your car.

To maintain possession of your vehicle and avoid repossession, please call my office today at (817)-732-7590 or (972)-819-3861.  You may also contact me through E-mail or the Free Case Evaluation.  As an experienced and dedicated Dallas Fort Worth bankruptcy attorney, I can give you the guidance and help you need.