Expertise.com

Best Bankruptcy Attorneys in Honolulu

Laurels
2023
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Bankruptcy Attorneys FAQs

Learn more
Blake Goodman, PC, Attorney logo
FEATURED
Visit WebsiteWebsite
free consultation

Blake Goodman, PC, Attorney

Visit WebsiteWebsite
900 Fort Street Mall Ste 910, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Debt Settlement

Business Description

Blake Goodman, PC, Attorney has more than 25 years of experience providing bankruptcy and debt relief services to clients in the Honolulu, Hawaii, area. The firm focuses on providing bankruptcy services to clients who are filing for Chapter 7 and Chapter 13 bankruptcy and also provides alternative debt solutions and tax resolutions. Bankruptcy clients receive a range of services, including debt negotiation, financial restructuring, and pre and post-bankruptcy counseling.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (250)
Yelp
5.0 / 5 (43)
Facebook
5.0 / 5 (14)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: free consultation

Rate:
100
Expertise.com Concierge Service logo
FEATURED
Free booking service | Call 848.Book.Pro!

Expertise.com Concierge Service

Honolulu, HI

Business Description

Need help contacting a Bankruptcy Attorney in Honolulu? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free booking service | Call 848.Book.Pro!

FREE

Expertise.com Concierge

Let us do the work for you!

Share your needs with our Concierge team, and they'll book you with our best available top-ranked service providers!

Abelmann Peterson LLLC logo
Visit WebsiteWebsite

Abelmann Peterson LLLC

Visit WebsiteWebsite
677 Ala Moana Blvd #1009, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Abelmann Peterson LLLC is a bankruptcy law firm that serves clients in the Honolulu, Hawaii, area, including Oahu, Kailua, Pearl City, and Kaneohe. It's experienced at handling cases of Chapter 7 and Chapter 13 bankruptcy and provides services to its clients such as debt negotiation and settlement, pre and post-bankruptcy counseling, and consumer rights protection. The firm's attorneys aim to help clients restore their credit and improve credit scores as quickly as possible.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (75)
Yelp
5.0 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Affinity Law Group LLLC logo
Visit WebsiteWebsite

Affinity Law Group LLLC

Visit WebsiteWebsite
1188 Bishop St Ste 3408, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

Affinity Law Group helps clients in Honolulu, Hawaii, who are experiencing excessive debt, lawsuits, garnishments, or foreclosures. The law firm guides its clients through the bankruptcy process when they're filing for Chapter 7, Chapter 11, or Chapter 13 bankruptcy. In addition to bankruptcy representation, Affinity Law Group provides services including standard foreclosure and wrongful foreclosure defense, debt settlement representation, and loan modification. The firm's attorneys are admitted to practice in state and federal courts throughout Hawaii.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (12)
Yelp
4.5 / 5 (12)
Avvo
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Choi & Ito logo
Visit WebsiteWebsite

Choi & Ito

Visit WebsiteWebsite
700 Bishop Street, Suite 1107, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Debt Settlement

Business Description

Choi & Ito is a bankruptcy law firm that represents clients in Honolulu and nearby areas. The office handles chapters 7, 11, and 15 bankruptcy. It helps clients through loan restructuring, extension, financial reporting, and liquidation programs. The practice also takes on adversary proceedings and secured or unsecured creditor claims. Partners Alison A. Ito and Chuck C. Choi are both members of the American Bankruptcy Institute. Some of their clients include Aloha Airlines and Hawaii Medical Center.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Damon Key Leong Kupchak Hastert logo
Visit WebsiteWebsite

Damon Key Leong Kupchak Hastert

Visit WebsiteWebsite
1003 Bishop St Ste 1600, Honolulu, HI 96813
  • Creditor Representation

Business Description

Founded in 1963, Damon Key Leong Kupchak Hastert is a law firm that serves residents of the Honolulu, Hawaii, area. The firm focuses on several areas of practice, including creditors' rights and bankruptcy law. It offers its services to commercial creditors, helping them to pursue payment form debtors who have defaulted on their loans. In addition to bankruptcy law, the highly skilled bankruptcy attorneys in Honolulu practice in several other areas, including real estate, family law, and trusts and estates.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Doi/Luke, Attorneys at Law, LLLC logo

Doi/Luke, Attorneys at Law, LLLC

1600 Kapiolani Boulevard Suite 1300, Honolulu, HI 96814
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Founded in 1995, Island Lawyers is a law firm that's located in Honolulu, Hawaii, and helps clients in the city and throughout the state. The firm's trusted Chapter 7 and Chapter 13 bankruptcy lawyers in Honolulu practice in several areas of law, including bankruptcy law. It offers consumer representation in cases of bankruptcy. Island Lawyers also practices in areas such as family law and estate planning. It's a Lead Counsel rated attorney and received a peer rating of Distinguished from Martindale-Hubbell in 2017.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (15)
Yelp
4.5 / 5 (13)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Donald L. Spafford, Jr. Attorney at Law logo

Donald L. Spafford, Jr. Attorney at Law

1003 Bishop Street Suite 470, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Donald L. Spafford Jr., Attorney at Law, delivers legal solutions to debtors and creditors in Honolulu and its surrounding communities. It handles chapters 7 and 13 personal bankruptcy proceedings, including situations where adjustable mortgage rates or credit card debts have led to financial concerns. The debt relief office also provides representation in chapter 11 reorganization actions. In addition to addressing bankruptcy concerns, it offers counsel on business transactions and commercial litigation. Principal lawyer Donald Spafford, Jr. has more than 40 years of legal experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Edward D. Magauran Attorney-at-Law logo
Visit WebsiteWebsite

Edward D. Magauran Attorney-at-Law

Visit WebsiteWebsite
1188 Bishop Street, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Student Loan Debt

Business Description

Edward D. Magauran, Attorney-at-Law, provides bankruptcy services to individuals in Honolulu. Magauran focuses his practice on helping his clients eliminate credit card and income-related tax debts, as well as medical bills, by filing for chapter 7 bankruptcy. In addition, he assist with chapter 13 bankruptcy, which enables debt to be restructured into a more manageable repayment plan. Magauran has represented thousands of individuals, families, and small business owners in the area for more than 20 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (167)
Yelp
4.5 / 5 (25)
FindLaw
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Greg Dunn, Bankruptcy and Debt Relief Attorney logo
Visit WebsiteWebsite

Greg Dunn, Bankruptcy and Debt Relief Attorney

Visit WebsiteWebsite
841 Bishop Street Suite 2221, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Debt Settlement
  • Student Loan Debt
  • Creditor Representation

Business Description

Greg Dunn Bankruptcy and Debt Relief Attorney is located in Honolulu, Hawaii. He provides debt relief services and bankruptcy representation to clients, including debt settlement, foreclosure defense, and pre and post-bankruptcy credit counseling. He takes on cases involving Chapter 7 and Chapter 13 bankruptcy. Attorney Greg Dunn has been practicing bankruptcy law for more than 20 years. The firm offers flexible payment plans to clients who are unable to afford upfront costs. He offers free consultations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hawaii Debt Solutions logo
Visit WebsiteWebsite

Hawaii Debt Solutions

Visit WebsiteWebsite
500 Ala Moana Boulevard Building Four Suite 480, Honolulu, HI 96813
  • Chapter 7 Bankruptcy

Business Description

Hawaii Debt Solutions is a bankruptcy and debt settlement law firm that caters to clients throughout Honolulu. For over 20 years, lawyer and owner Martin Berger has assisted thousands of clients in bankruptcy and debt relief cases. He is a recipient of the Hawaii Supreme Court's Certificate of Specialization in Consumer Bankruptcy Law. Additionally, he had previously held the office of Hawaii Bankruptcy Bar Association President. Berger also served as an adjunct professor of business law at the University of Hawaii at Hilo.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Law Office of Warren Kim logo
Visit WebsiteWebsite

Law Office of Warren Kim

Visit WebsiteWebsite
1888 Kalakaua Ave. Ste. C312, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

The Law Office of Warren Kim represents clients in the Honolulu metro in bankruptcy cases. Founding attorney Warren Kim provides the tools needed to streamline the bankruptcy filing process. Kim conducts personal and business bankruptcies counseling and can help with filing chapters 7, 11, and 13 bankruptcies. In addition, Kim helps with immigration and family law concerns such as naturalization, visas, family-based petitions, divorce, separation, and child custody. He has over 25 years of legal experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (2)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Law Offices of Steve Cedillos logo

Law Offices of Steve Cedillos

1670 Makaloa Street Ste. 204-338, Honolulu, HI 96814
  • Chapter 7 Bankruptcy
  • Debt Settlement

Business Description

The Law Office of Steve Cedillos provides legal services to clients in the Honolulu, Hawaii, area. It focuses its practice on several areas of law, including bankruptcy. The firm takes on clients who are facing excessive debt and helps them file for Chapter 7, Chapter 11, or Chapter 13 bankruptcy. It also provides pre and post-bankruptcy counseling, debt negotiation, and financial restructuring assistance. Other areas of practice include family law and criminal defense.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.4 / 5 (26)
Yelp
4.0 / 5 (17)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McCorriston Miller Mukai MacKinnon LLP logo
Visit WebsiteWebsite

License Verified:

License: 003158

Hawaii State Bar Association

McCorriston Miller Mukai MacKinnon LLP

Visit WebsiteWebsite
500 Ala Moana Boulevard, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

McCorriston Miller Mukai MacKinnon, LLP, is a general counsel law firm based in Honolulu. Its bankruptcy attorneys handle chapter 11, chapter 7, and chapter 13 bankruptcies. They also assist clients with debt harassment protection, as well as debt settlement, workouts, and other credit transactions. A founding partner of the company, Clifford J. Miller, is adept at negotiations and restructuring loans for borrowers and lenders. He also brings this negotiation experience to his dealings with actors and talent managers.

License Verified:

License: 003158

Hawaii State Bar Association

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (13)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Rush Moore LLP logo

Rush Moore LLP

737 Bishop St Ste 2400, Honolulu, HI 96813
  • Creditor Representation

Business Description

Rush Moore LLP was founded in 1946 and serves clients in Honolulu, Hawaii, and its surrounding areas. The firm offers legal help in several practice areas, including creditors' rights and bankruptcy. The detailed Chapter 7, Chapter 11, and Chapter 13 bankruptcy lawyers in Honolulu represent large lenders in matters of debt collection and bankruptcy reclamation. They are experienced at handling cases that stem from fraud and loan default, as well as bankruptcy. Other areas of practice include civil litigation and insurance defense.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Square One Legal logo
Visit WebsiteWebsite

Square One Legal

Visit WebsiteWebsite
1001 Bishop St., Suite 2850, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Square One Legal is a bankruptcy law firm representing individuals and business owners in and around Honolulu. The office helps clients facing garnishment, falling behind paying personal loans, struggling with mortgage and car payments, and receiving harassing phone calls from creditors to file for bankruptcy petitions. It handles debt settlement, foreclosure defense, and chapters 13 and 7 bankruptcy. Sole practitioner Ofir Raviv has served as vice president of the Hawaii Bankruptcy Bar Association in 2018. He has been exclusively practicing bankruptcy law for the past decade.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)
Yelp
5.0 / 5 (6)
Facebook
5.0 / 5 (1)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Law Office of Frederick J. Arensmeyer LLLC logo
Visit WebsiteWebsite

The Law Office of Frederick J. Arensmeyer LLLC

Visit WebsiteWebsite
737 Bishop Street Mauka Tower Suite 2920, Honolulu, HI 96813
  • Chapter 7 Bankruptcy

Business Description

The Law Office of Frederick J. Arensmeyer LLLC provides legal counsel and representation from its Honolulu location. It handles bankruptcy and homeowners' association disputes and represents clients in mortgage foreclosure cases. The firm is headed by Frederick J. Arensmeyer, who has been in practice since 2005. The attorney helped home and business owners deter foreclosures during the Great Recession in 2008. He has represented clients before large companies, including Wells Fargo Bank and Hawaii National Bank.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Law Offices of William C Bullard logo

The Law Offices of William C Bullard

500 Ala Moana Suite 7-400, Honolulu, HI 96813
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • IRS Tax Debt

Business Description

The Law Offices of William C. Bullard offers Chapter 7 and Chapter 13 bankruptcy representation to clients in the Honolulu, Hawaii, area. It protects the rights of consumers, putting a stop to foreclosure, collection calls, and repossessions and offers payment plans to clients who are unable to pay legal costs upfront. William C. Bullard holds memberships in the National Association of Consumer Bankruptcy Attorneys, and the Hawaii State, Texas, and Federal Bar Associations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (10)
Yelp
5.0 / 5 (2)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Consumers utilizing Expertise.com are free to communicate and contract with any lawyer they choose. Expertise.com is not involved in the confidential attorney-client relationship. Featured lawyers pay a reasonable advertising cost to market their legal services withExpertise.com and must meet similar selection criteria as other lawyers. All cases are different. Prior results do not guarantee a similar outcome.

Frequently Asked Questions

  • What does a bankruptcy attorney do?

    Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

  • What happens when you file bankruptcy?

    Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

    Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

  • Can you file bankruptcy on student loans?

    Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

  • What is bankruptcy fraud?

    Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

    • Hiding assets by transferring them to another person or entity
    • Intentionally omitting assets when reporting to the court
    • Destroying or withholding required documents
    • Knowingly making false statements to bankruptcy trustees or creditors
  • How long is bankruptcy on public record?

    How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

  • Does bankruptcy clear tax debt?

    Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

    • Federal income tax debt related to current properly filed tax returns
    • Honestly incurred with no fraud or evasion
    • At least three years old
    • Assessed at least 240 days before bankruptcy filings

    Existing liens are not eliminated with bankruptcy.


  • Can they take my car in Chapter 7 bankruptcy?

    In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.