In Georgia, you can file bankruptcy to stop a repossession and even have time to get your car back after it has already been repossessed when you file bankruptcy. When you are behind on your car payments, creditors have the right to repossess your car. Whether the creditor is going to show up unexpectedly at your home or place of employment to take your vehicle is a stressful fear. Filing Chapter 7 bankruptcy can at least temporarily stop repossession so that you can have a plan for how to address your financial situation. Filing Chapter 13 bankruptcy could enable you to consolidate past due payments to automobile creditors and other debts into a monthly payment. In a Chapter 13, you can even pay the car creditor less than the balance you originally owed, and you can reduce the interest rate. Whether you file a Chapter 7 or Chapter 13 to save your car, the automatic bankruptcy stay will apply to prevent creditors from taking your car from you without a court order. You can ultimately decide if you would like to keep your car or surrender it through bankruptcy. If you have any further questions about how to stop a repossession with bankruptcy in Georgia, please call Law Offices of Charles Clapp at (404) 585-0040 or contact us on the web for a free consultation with an attorney.