Can a lender repossess my car after I file bankruptcy in Nevada?

No – the automatic stay under 11 U.S.C. § 362 prohibits repossession until the stay is lifted by the court.

What happens if they repo my car during bankruptcy?

It's illegal. You can sue for damages, attorney fees, and force the return of the vehicle.

How long does the automatic stay last?

It lasts until the case is closed, dismissed, or the stay is lifted – often months or years in Chapter 13.

Repo After Bankruptcy in Nevada – Sue for $30K–$100K+ (2026 Violations)

Car repossessed while your bankruptcy case was active or shortly after filing?
This is a SERIOUS violation of the automatic stay (11 U.S.C. § 362) – even if you were behind on payments.
Illegal repo = $30,000 – $100,000+ settlement + vehicle returned + deficiency wiped out
100% FREE – lender/repo company pays our fees + your cash

Why Repossessing After Bankruptcy Filing Is Illegal

When you file for bankruptcy (Chapter 7, 13, or 11), an automatic stay immediately goes into effect under federal law (11 U.S.C. § 362). This stay prohibits creditors from repossessing your vehicle, even if payments are late. Any repo during the stay is illegal and can result in massive penalties, including punitive damages.

Violation	Average 2026 Settlement
Repo during active bankruptcy stay (Chapter 7 or 13)	$30,000 – $100,000+
Repo shortly after filing (stay not lifted)	$40,000 – $90,000+
Repo after discharge without court permission	$25,000 – $70,000+
Willful violation (knew about bankruptcy filing)	$50,000 – $120,000+ (punitive damages)
Combined with breach of peace or kept property	$60,000 – $150,000+

Key Bankruptcy Protections in Nevada

Automatic Stay (11 U.S.C. § 362) – Stops all collection actions, including repossession, the moment you file
Creditors must immediately return the vehicle if repossessed in violation
Willful violations allow for actual damages, punitive damages, and attorney fees
Chapter 13 plans often allow you to keep your car while catching up on payments
Even if repo happens before filing, you can force return if bankruptcy is filed quickly

Common Scenarios We Sue For in Nevada

Repo while Chapter 13 plan is active
Repo the day after filing bankruptcy
Lender refuses to return vehicle after stay violation
Repo agent ignores bankruptcy notice or filing
Creditor sells vehicle despite active case

We Sue These Lenders & Repo Companies for Bankruptcy Violations

Santander Consumer USA
Credit Acceptance
Westlake Financial
Bridgecrest (DriveTime)
Ally Financial
Renovo Recovery
Relentless Recovery
United Recovery
Repo One
AAA Recovery
Key Recovery Services
Local Las Vegas / Henderson / Reno repo yards

Real Nevada Bankruptcy Repo Wins (2026 Examples)

Case 1: Repo 2 days after Chapter 13 filing → $85,000 settlement + car returned.
Case 2: Lender refused to release vehicle during active stay → $68,000 + vehicle returned free.
Case 3: Willful violation after creditor was notified → $105,000 punitive damages.
Case 4: Repo during Chapter 7 case → $72,000 + deficiency balance wiped out.

Get Your Car Back + Thousands in Damages – 90 Seconds

We handle everything. You pay nothing unless we win. We’ve helped hundreds of Nevadans recover their vehicles and win big after bankruptcy violations.

YES – My Car Was Repo’d After Bankruptcy in Nevada → FREE Case Review Now

Call 877-BAD-REPO • Open 24/7 • No Fee Unless You Win

Serving Las Vegas, Henderson, Reno, North Las Vegas, Sparks, Carson City, Fernley, Elko, Mesquite, Boulder City and every city in Nevada.