Cincinnati Repossession Lawyer

Protecting Your Property & Your Peace of Mind

If you’re behind on your car payments or other secured debts, you may be facing the threat of repossession. This stressful and often overwhelming experience can disrupt your life, especially if it involves your primary vehicle or essential equipment. At Herzner Law, we help individuals and families in Ohio understand their legal options and take action to stop repossession and protect their property.

What Is Repossession?

Repossession occurs when a lender takes back property used as collateral for a loan after the borrower falls behind on payments. This most commonly happens with auto loans, but can also involve furniture, electronics, or business equipment purchased on credit.

In many states, creditors can repossess property without going to court, as long as they do not breach the peace. This means your car could be taken from your driveway or workplace without warning—leaving you without reliable transportation and under even greater financial pressure.

Your Rights in a Repossession

While lenders have legal rights, so do you. Creditors must follow specific procedures before, during, and after repossession.

For example:

• They cannot use threats, force, or enter a locked garage
• They must notify you of the sale of the repossessed property
• You may have a right to “redeem” the property by paying off the balance before it is sold

Unfortunately, many people don’t realize they can challenge an improper repossession or prevent it altogether by taking timely legal action.

How Bankruptcy Can Help Stop Repossession

If you’re facing repossession, filing for bankruptcy may provide immediate relief. The moment you file, the automatic stay goes into effect—a powerful court order that stops all collection actions, including repossession and foreclosure.

• Chapter 7 Bankruptcy: May temporarily stop repossession and eliminate other debts, freeing up money to bring your loan current.

• Chapter 13 Bankruptcy: Allows you to catch up on missed car payments over 3–5 years while keeping your vehicle.

In some cases, bankruptcy may also allow you to lower the amount you owe on a car loan through a process called a “cramdown,” depending on how long you’ve owned the vehicle.

Get Help Before It’s Too Late

Once your car or property is repossessed, the options to recover it are limited and time-sensitive. That’s why it’s crucial to speak with a knowledgeable bankruptcy attorney as soon as you fall behind or receive a warning notice.

Contact A Cincinnati Repossession Lawyer For Help

At Herzner Law, we’ve helped countless clients stop repossession and get back on the road to financial stability. Contact us today for a free consultation and take the first step toward protecting what matters most.

Let us help to secure your legacy and protect your peace of mind – contact our office today to begin planning for your future.