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Many bankruptcy filers are worried about what will happen to their cars. People often need their cars to get to work, drive children to school, and take care of other important tasks.
In Chapter 7 bankruptcy, whether you keep your car depends on the car loan amount (if any) and any available exemptions you can apply to that loan. If you can protect your car from the bankruptcy trustee, you must choose one of the options available in Chapter 7 for handling secured debt -- redemption, reaffirmation, or surrender.
If you are behind on your car loan, Chapter 7 does not provide a way for you to catch up on payments. (Chapter 13 bankruptcy, however, does.) But there are other ways Chapter 7 might help you better afford your car.