Instead of Chapter 7, Sagaria Law in San Francisco can also use Chapter 13 to reduce your car payment and consolidate other debts that you cannot afford to pay. In a Chapter 13 bankruptcy, Sagaria Law will reduce the total amount you pay the finance company so that you only pay the value of the vehicle plus interest. Any money owed to the finance company above that amount can be paid, in most circumstances, at a percentage on the dollar. Even if the car has already been repossessed, we may be able to force the finance company to return the vehicle and then reduce your car payment. Time is of the essence, however, so act now. We can also consolidate any other outstanding bills so that you can pay those debts at a percentage on the dollar as well.  Call for a free consultation in our San Francisco office to talk about your bankruptcy or other debt solutions.