The idea of losing one's vehicle to creditors is something no one wants to consider. Unfortunately, vehicle repossession can happen to the most well-meaning people, but attorney Robert A. Schwartz is here to help. Serving the Rochester, NY, area for over three decades, Attorney Schwartz understands the things you can do when facing vehicle repossession.

Here, he shares three of the most important:

• Consider Bankruptcy: When you file for bankruptcy, you can put a stop to vehicle repossession. If you file for Chapter 7 bankruptcy, which eliminates virtually all debt, the stay on your repossession is only temporary, but you may be able to keep your vehicle if you get caught up on payments. With Chapter 13 bankruptcy, which restructures your debt into more manageable payments, the repossession process stops entirely. Robert A. Schwartz will help you weigh your bankruptcy options.

• Know Your Rights: Vehicle repossession doesn't cancel out your rights. The items inside your car at the time of repossession are still yours, and you have the right to reclaim them. Also, repossessors don't have a license to break into your property or private spaces, such as a garage, to access your car. Attorney Schwartz will help you understand your rights and what you can do to exercise them.
• Think Of Alternatives: In some cases, it may not be feasible for you to get your car back right away. Take the time to revisit your budget and see how much car-related expense you can comfortably afford. Then, you're ready to work with your creditor and your lawyer to get your vehicle back in your possession.

Call Robert A. Schwartz at (585) 334-4270 to schedule a free consultation about your vehicle repossession. You can also visit him online to learn more about his background and other practice areas. If you lose your car, it's important that you don't lose hope; you have legal rights and options available.