Your Car in Chapter 13 Bankruptcy

For the most part, you can keep your car when you file for Chapter 13 bankruptcy. If you are behind on car payments, you can make up the arrears through your Chapter 13 plan and avoid repossession. Even better, if you are upside down on your car loan (meaning you owe more than the car is worth), you might be able to reduce the value of your loan to the current replacement value of the car.

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Articles on Your Car in Chapter 13 Bankruptcy

Your Car in Chapter 13 Bankruptcy: An Overview

What happens to your car, truck, van, motorcycle, or another vehicle if you file for Chapter 13 bankruptcy? Learn how filing for Chapter 13 bankruptcy can help you keep your vehicle from being repossessed and when you can use a cramdown to decrease the loan amount you'll need to pay.
Car Loan Cramdowns in Bankruptcy

If your car is worth less than the debt you owe on it, you may be able to lower, or "cram down" the loan principle. Here's how it works.
Car Repossession and Chapter 13 Bankruptcy

Find out if a car loan lender can repossess your car during bankruptcy, and whether you can get it back if the repossession happened before you filed.
Should I Keep My Car in Chapter 13 Bankruptcy?

Most people can keep their cars in Chapter 13 bankruptcy. But just because you can keep your car, doesn't mean you should.
Car Leases in Chapter 13 Bankruptcy

If you have a car lease when you file a Chapter 13 bankruptcy you have two options – rejecting the lease and returning the car or continuing with the lease. Read on to learn the pros and cons of each option.
Can I Keep Two Cars in Chapter 13 Bankruptcy?

Whether you can keep two cars in Chapter 13 bankruptcy depends on a number of factors. Learn more.

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Questions and Answers

My car lender repossessed my car right before I filed for Chapter 13 bankruptcy. Can I get it back?

If your car is necessary to your household, and your Chapter 13 plan pays the lender both the back payments and the payments due going forward, you can file a motion for turnover.

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