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How many payments behind before repo

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Chapter 7 Bankruptcy

In Chapter 7, you may get to keep your car. You must pay your loan on time each month or your car might be repossessed. According to, under Chapter 7 bankruptcy, you must pay for the value of the car, not the full debt amount.

Chapter 13 Bankruptcy

Under Chapter 13 bankruptcy, you may get to keep your car, even if you fall behind on payments. Chapter 13 bankruptcy uses your loan's age to determine if you must pay the full amount due on your car loan.


Car loans not protected under specific bankruptcy laws fall to the discretion of each lender. If you stop making payments or get behind on payments, your car can be legally repossessed without warning and without going to court.



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