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What can you do if still have your car but are in repossession NJ?

Retain Possession Until the Car is Repossessed: If you can afford to make your payments, you should try to do so. This will help to delay or avoid repossession and provide you more time to negotiate with your lender.

Communicate with Your Lender: Maintaining communication with your lender is essential. Contact your lender as soon as you become aware you're struggling with your payments.

Propose a Workout Agreement: If you can't afford to repay the entire amount owed, propose a workout agreement to your lender. A workout agreement is a modified repayment plan that might involve reduced payments, extended terms, or other forms of accommodation.

Consider Bankruptcy: If you're drowning in debt and unable to make your car payments, bankruptcy might be an option for you. Bankruptcy can help you to discharge your debts, including your car debt, and keep your car.

Find Legal Assistance: If you're facing repossession in New Jersey, it's crucial to seek legal advice from an experienced bankruptcy attorney. A bankruptcy attorney can help you explore your options and protect your rights.

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