My car was repossessed last night. How quickly can you get it back in bankruptcy?

Almost immediately with a chapter 13.

(In a chapter 7, I can do nothing to get it back, so you’ll either need to come up with a lot of cash to pay it off, or you can just walk away from it).

In a chapter 13, I can file a skeletal case with you, get a case number, and print off a letter for you to hand-deliver to the repo yard when you walk in later today to make them return the vehicle.  repo return

I received a call last night from a woman who returned from YW Girl’s Camp (LDS summer girl’s camp) exhausted and wet after a fun but tiring week camping in the rainy mountains around Salt Lake City.  After she unloaded her car, she went inside to make some dinner.  She went back out to see if there was anything left to unpack, and there was a tow truck taking her car away.

She wanted to know how quickly we could get it back if we filed a chapter 13.  I told her that she could get it back within an hour of filing a case the next morning.

If you are looking for the standards for repossession and redemption of that vehicle, see this blog post: