When a lender is threatening to repossess your car, truck, or motorcycle, you may feel overwhelmed and helpless, especially when they demand large sums of money that you simply don't have. For more than 30 years, debt relief lawyer Robert A. Schwartz has been helping people throughout the Rochester, NY, area prevent vehicle repossession and other collections actions. He can provide you with the legal expertise you need to get you through this difficult time.

Depending on the specifics of your financial situation, you may be able to file for a Chapter 11 or a Chapter 7 bankruptcy, which will discharge most of your debts and possibly allow you to keep your vehicle. Chapter 11 bankruptcies allow you to catch up on missed payments with a plan administered by the trustee, and that can include any past due amounts on your car loan. A Chapter 7, on the other hand, discharges almost all unsecured debt, which may leave you with enough available funds to continue making your monthly car payments.

Whichever bankruptcy method you choose, the court will issue an automatic stay that will put a stop to any collections efforts, including wage garnishments, phone calls, and property repossession. While you're taking steps toward rebuilding your financial future, you can finally get a reprieve from the constant pressure of harassment from bill collectors and lenders.

When you're struggling with debts you can't pay, there's no reason to go through the process alone. Visit Robert A. Schwartz online to learn more about your legal options, or just call (585) 351-2929 to schedule a consultation with the debt relief lawyer today.