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Yes. No one can repossess your car after your case is filed. In Chapter 13, we can sometimes get a repossessed car back and pay for it through the Chapter 13 plan.

If the lien was not incurred to purchase the asset, was not consensual, and impairs your ownership interest in property (an exemption), it may be possible to have the lien removed by using lien avoidance techniques.

If there is enough money left over after monthly living expenses, or you have assets that cannot be fully exempted, the court may require full or partial payment to your creditors in a Chapter 13 debt consolidation. You may also have too many non-exempt assets that you do not want to lose.

I will meet with you personally to go over all of your financial information and help you decide if bankruptcy is the right solution for you. I will quote you a flat fee at that time and explain exactly how your case will be handled. You can make a down payment, and you can then refer your creditors to my office. We will inform them that you have retained us and instruct them to stop contacting you. We can set up a payment plan, but all Chapter 7 fees must be received before we can file your case, or the balance will be discharged in your case. Typically, for Chapter 13, a portion of the fees are paid up front with the filing fee, and the balance may be paid through the plan as part of the Chapter 13 plan payment.

Failing to list all assets, wherever they are located and even if they are not in your name,Failing to list all debts, even ones you want to keep or don't think you can discharge,Transferring assets out of your name shortly before filing without receiving full market value for themPaying friends or family back shortly before filingRunning up your credit cards or taking on new debts shortly before filing when you know you can't pay themFailing to show up at your meeting of creditors