Abstract: Disclosed is an inexpensive detachable surface-mounted cargo-restraining apparatus for use on a vehicle or vessel while in transit that includes one or more cords attached to self-retracting reels that are anchored to a surface in the cargo area of the vehicle or vessel. A suitable hook is attached to the free end of each cord on each reel. Each cord may then be pulled from its reel so that its respective hook may be engaged with a cargo item (e.g. the handle portions of a bag) to secure the item. Each reel retracts causing the hook to hold the cargo item in place. As the vehicle is driven, the hooks and cords restrain the items from opening or spilling their contents.