Will filing chapter 7 stop a repo on my car?

Yes, filing a Chapter 7 bankruptcy can temporarily stop a repossession of your car because of the automatic stay. If you are behind on your car payments and cannot afford your car payment after bankruptcy, then generally you will not be able to reaffirm and keep your car after your Chapter 7 case is discharged.

In this case your car can still be repossessed after your bankruptcy discharge. However, any debt that you still owe on the car would be discharged in your Chapter 7 bankruptcy and you would no longer owe the debt.

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