In Arizona, it's easier to try to prevent vehicle repossession from taking place than to dispute it afterward. If your car is repossessed you still owe the unpaid balance, the deficiency on your loan
Creditor Rights: If your car payments are late or you default on your contract, your creditors may have the right to repossess your vehicle. In Arizona, they can do this legally without a court order.
Avoid vehicle Repossession. Filing for Chapter 13 bankruptcy can prevent and stop a car from being repossessed. You can get your vehicle back by filing for bankruptcy in Phoenix, Tucson, in Arizona.
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