Let’s cut to the chase: Not with me as your attorney, you won’t.
In over 17 years of helping people file bankruptcy, I’ve never had a client lose something they didn’t want to lose — and I’m not starting now. Unless you’re rolling around in a rare, movie-authentic 1985 DeLorean or a cherry red Ferrari, the bankruptcy court isn’t interested in taking your ride.
👀 So… How Do I Keep My Car?
In most cases, it’s simple:
Just keep making your payments.
If you’re still paying on the loan:
- Keep it current and you’re good.
- Bankruptcy doesn’t wipe out your car unless you stop paying or you want out of a bad deal.
If the car is paid off:
- Great! As long as you don’t have in excess of $20,000 of equity you will likely be fine. Or if you are nervous – file chapter 13!
Let’s be real — unless you’ve got a rare collector car, the court’s not coming for your ride. Nobody’s chasing down your 2009 Honda CR-V with 189k miles and a dent in the door. Promise.
🤓 Want the Nerdy Details?
If you’re the type who likes digging into stuff like:
- Reaffirmation (keeping the loan)
- Redemption (buying it out)
- Cram-downs (lowering the balance)
I’m happy to explain all that during your consultation. But don’t worry — you don’t need to know those terms to get help. Just make sure we review your equity before filing, and I’ll take care of the rest.
🧠 Bottom Line
You’re not going to lose your car just because you file bankruptcy. In fact, bankruptcy often helps you keep it, especially if you’re behind or overwhelmed with other bills.
And not to brag (okay, maybe a little), but I’ve protected every car for every client who actually wanted to keep theirs. I don’t lose things. And I won’t start with you.
📞 Let’s Talk — No Pressure
If you’re stressing about your car, your credit cards, or just life in general — I get it. Let’s talk it out, figure out the best move, and get you back in control.
👉 Call or text (414) 306-1977
📧 Or email me at brent.berning@berninglawllc.com
Free consultation. No judgment.
Just solid answers and a plan that works.
