Keep the Car or Truck You Need to Work and Support Your Family.
Auto lenders in Tennessee can repossess your vehicle without warning after a missed payment. We use federal bankruptcy law to stop repo trucks immediately—and can even get your car back if it was just taken.
Filing Chapter 7 or Chapter 13 bankruptcy in Jackson, TN immediately activates the Automatic Stay, making it illegal for an auto lender or repo agent to take your car, truck, or motorcycle. If your vehicle was already repossessed within the last few days and has not yet been sold at auction, filing Chapter 13 bankruptcy can legally compel the lender to return your vehicle while restructuring your past-due balance and high interest rate.
Request Your FREE Consultation Now
Speak directly with Attorney Louis W. Ringger Jr. or our Jackson team by phone or in person.
How Stop Car Repossession in Jackson & West TN Works at Ringger Law
Immediate Repo Shield
We file your petition electronically and issue your federal case number to the auto lender's recovery department immediately.
Restructure the Auto Loan
Past-due payments are folded into your plan, and high interest rates are slashed so your monthly payment becomes affordable.
910-Day Cram-Down Evaluation
If you bought your vehicle more than 2.5 years (910 days) ago, you may only have to pay what the car is currently worth—not the inflated loan balance.
Drive With Peace of Mind
Keep reliable transportation for work and family throughout Madison County and West Tennessee.
Frequently Asked Questions: Stop Car Repossession
My car was repossessed yesterday in Jackson, TN. Can Ringger Law get it back?
Yes, if we act immediately before the lender sells the vehicle at auction! Call (731) 421-1501 right away. By filing an emergency Chapter 13 petition, we can demand turnover of your vehicle and roll the past-due balance and tow fees into your repayment plan.
What if they already sold my repossessed car and are suing me for the difference?
When a lender sells a repossessed car for less than you owed, the remaining balance is an unsecured 'deficiency balance.' Chapter 7 bankruptcy wipes out 100% of repo deficiency balances and stops any lawsuit or wage garnishment over that old car.