American Bar Association
Alabama State Bar
Alabama Criminal Defense Lawyers Association
National Association of Consumers Bankruptcy Attorneys
Expertise badge


Each year in the United States, more than one million cars are repossessed by lenders. In today's economy, many people are behind on their car payments and facing repossession. If you or a loved one is facing an automobile repossession or behind on car payments, call The Sellers Law Firm today, set an appointment, and meet with one of our experienced Montgomery bankruptcy lawyers or our Selma bankruptcy lawyers! When you get behind on payments for vehicles, the creditors or lender can repossess the vehicle. The lender does not have to give you notice of the repossession. Your car can be “picked up” at any location including your home, work, church or even at the grocery store! Yes, we have had client’s cars repossessed at grocery stores, work, and even at a child’s little league game! The most atrocious act of repossession was when a client told us that her car had been repossessed at a funeral!

In most contracts for loans, such as vehicles loans, there are clauses where you agree to allow the repossession of your vehicle should you fail to make the scheduled payments. Most people believe that all car loans provide a “grace period” which allows them 10 extra days to make a payment beyond the monthly due date of the loan. This is simply not true. Sometimes your lender may tell you that they intend to repossess your car, and the best action is to contact them and catch up the past due payments. Some lenders will not even give you this courtesy, and you will have no notice that the car is going to be repossessed. Also, many people are not in a position to catch up on all of the late payments and fees, which is when filing a Chapter 13 debt consolidation may be your best option. Chapter 13 can stop the repossession of your car and allow you to pay back the lender over time through a Chapter 13 re-payment plan. Generally, a Chapter 13 also allows you to reduce the interest rate on your car loan. Sometimes, when you are “upside-down” on the loan, we can even reduce the amount of the loan to the value of the car. Therefore, if you owe more on the car than what the car is worth, then you only pay what the car is worth. However, don’t wait until it is too late. Once the lender has repossessed the car, we generally have no legal way to force them to return the vehicle except for a person to redeem the car. Redemption is a process where you can obtain the car back from the mortgage company, but you must bring all payments current and pay for all towing fees, court costs, or legal action fees incurred in the repossession of the automobile.

If your car has already been repossessed, you may be responsible for the unpaid balance of the loan once the car is sold. If this is the case, bankruptcy may still be the best option for you, as it will protect you from judgments, collections, and possible wage garnishment. Whether you have a prior repossession or are struggling to save your car, give The Sellers Law Firm a call today! We have helped thousands of individuals and families statewide save their homes, their cars, and their hard-earned wages. Having Montgomery bankruptcy lawyer or a Selma bankruptcy lawyer who knows how to protect you and your property is vital. Call today for your free consultation!

For many years, clients asked us, “Why don’t you have an office near me?” We believed we have now angered the “near me” question. The Sellers Law Firm is located throughout central Alabama with offices in Montgomery, Selma, Greenville, and Troy. Call us or text us today at 334-LAWYERS (529-9377) to start protecting your property and to stop the repossession of your car, give our bankruptcy lawyers a call today! At The Sellers Law Firm, our experienced  bankruptcy lawyers have helped thousands of individuals and families statewide save their homes, their cars, and their hard-earned wages. You can email us at or you can use the Contact Form on our website! Our phone lines are answered 24 hours a day, and there is never a fee for a consultation. We can usually meet with you within 24 hours of contacting us! Remember that doing nothing, changes nothing so act now!

The Sellers Law Firm is designated a debt relief agency by an Act of Congress and the President of the United States. We have proudly assisted people seeking relief under the U.S. Bankruptcy Code for four decades.

Client Reviews
Brandon was my first choice for an attorney because he is part of the community and you see him at the local store or PTA meetings and he always has time for you and answer your concerns. Ronica Phifer
The Sellers Law Firm represented me in my social security case, and later in my Chapter 7 bankruptcy. I have been very happy with all that you have done for me, and I refer people to you all the time. Thanks for all that you have done for me and my family. Angie Langford
I would like to start out by saying Brandon sellers is more than a lawyer that has helped my family out in numerous occasions but he's also a great friend to our family. Whenever he can't find a resolution for the problem he always recommends somebody that can. I've known him for years grew up together always been really good friends. I like to say in closing I'm really glad I know him I'm glad he's been able to help us when we've needed him. Thanks for everything you've done. Timothy Palmer
The sellers law firm is the best in Alabama they are friendly and very professional from the attorneys to the people in the office. They where very helpful throughout the whole process and even after it was over. So if you are in need for a bankruptcy firm give Brandon sellers a call you won't be disappointed Thank you Again Brian Floyd
I highly recommend Sellers Law Firm, they are fantastic and care about their clients. They walk you through step by step and advise you of your options. Sheila Wright