IfI can’t make my car payments, what options doI have?

Get Legal Help Today

 Secured with SHA-256 Encryption

IfI can’t make my car payments, what options doI have?

My husband and I separated and he refused to make payments to a car that is under my name but we purchased together. His mom took the car and said she would help me make the payments. She never made a single one. She has the car parked somewhere and I have been trying to get the address but she is not answering my texts. What can I do? They are trying to repossess my car and are threatening me with getting my wage garnishishment. I have no money to make the payments and at this point. I am considering bankruptcy. How can I buy some time?

Asked on September 19, 2011 under Bankruptcy Law, New York

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

If you want to buy some time and are considering a bankruptcy filing, you should consult with a bankrupty attorney about a filing. The filing of a bankruptcy proceeding will allow you time to get things in order in that a filing puts a stay of all proceedings against you by your creditors.

I suggest that you meet face to face with your mother-in-law to get the car situation straightened out so that payments can be made on it if you or your husband can afford to do so. The creditor cannot get a wage garnishment against you until there is a lawsuit filed and a resulting judgment which could take months or even a year plus to happen if you fight the lawsuit,

Consulting with a bankruptcy attorney may be of assistance for you and your situation.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption