We are a boutique law firm with a family atmosphere. We realize that our clients are in need of help and we make it our mission to create the most comfortable environment possible for our clients. Over the last 30 years, we have been providing legal services pertaining to bankruptcy, workers compensation and disability to the Athens, Georgia metropolitan area. We have assisted all types of clients from commercial businesses to individuals.
Facing a repossession, also known as a repo, can be a difficult situation. When you purchase a piece of property on contract — a home, car, or even a television — that item serves as collateral to ensure you will pay off the loan. Motor vehicles are among the most commonly repossessed types of property. If your car or other items have been repossessed, the repo lawyers at Morgan & Morgan can help.
Failing to make timely payments can have serious consequences. Technically, as soon as you miss a payment, you are in default of the conditions of your contract and the creditor has the legal right to repossess the car. Under Georgia law, when a vehicle is repossessed, the creditor does not need to provide you with advance notice of the repossession. They can repo the car at any time of the day or night even if it is parked on your own property; however, they may not enter into a closed garage or barn to do so.
While it is best to make timely payments on all of your obligations, sometimes, through no fault of your own, it becomes impossible to do so. Sudden job loss, disability, illness, or even divorce, can interfere with your finances. Should you find yourself late on your payments, it is best to communicate with your creditor and make alternate arrangements for payment that you can maintain. Consulting an experienced car repo attorney can also help. He or she can advise you of your rights under Georgia law.
The most obvious way to stop collection activity is to pay what is owed and bring the loan current. When you are experiencing financial difficulty that action can seem impossible. Filing bankruptcy is another option to immediately stop collection activity against you and give you time to work with your creditors.
Our bankruptcy attorneys are dedicated to treating clients like family and making client needs a priority. We have specialized experience in assisting clients who are facing foreclosure on their homes, or have already had their homes foreclosed upon. Morgan & Morgan also specializes in matters of bankruptcy, real estate, immigration and debt collection defense. Let us help you with your debt relief, start your free consultation now by contacting us today at (706) 548-7070 to learn more about how our team of experienced attorneys can help you through these challenging times.