Placerville, CO Bankruptcy Law Firms & Lawyers

In order to determine if the lender has the right to keep aftermarket parts added to a vehicle that has been repo'ed it would be necessary to read the documents to see what the rights of the lender and the owner are. However, I can't imagine a lender that would make car loans and not put in a provision that allows them to repo the car "as is" with any modifications that have been made to the car. Can you imagine that the lender would want a repo car where they'd have to remove, say, aftermarket rims, wheels and sound system, give those to the owner then they'd be left with a car missing those components. The lender wouldn't get much at auction for a car up on blocks and with a bunch of wires hanging out the holes where the radio and speakers were.

Because of the amount of time needed for the bankruptcy trustee to audit your file, a Chapter 13 case seldom closes at the time the 60th payment is made. However, your description of what occurred raises a lot of questions which an attorney familiar with your file should answer for you.

So it is not clear what you want. If you want to return the vehicle, call the lender and ask where you should take it to turn it in. If you wanted to keep the vehicle, you should have filed a motion to redeem the vehicle before your case was discharge. While the lender may pick up the vehicle at any time, they may decide never to bother doing this. But this decision does not mean the lender will turn over the title to you. That generous, they aren't?