Hypothetically, to keep the car (some of this depends on state law, so this is advice is more general in nature).
1. You need a way to cure (i.e. pay) the arrears PLUS all the accumulated costs (repo, storage, etc).
2. You wouldn't really be able to do so in a chapter 7 unless you can find a 722 Redemption lender willing to roll those fees in (not likely addition to paying off the existing loan balance (if your car is already upside down, you can forget about this option).
3. You could file a chapter 13 and pay the arrears through the plan
However, all this would have to be done before the car is actually sold.
1. You need a way to cure (i.e. pay) the arrears PLUS all the accumulated costs (repo, storage, etc).
2. You wouldn't really be able to do so in a chapter 7 unless you can find a 722 Redemption lender willing to roll those fees in (not likely addition to paying off the existing loan balance (if your car is already upside down, you can forget about this option).
3. You could file a chapter 13 and pay the arrears through the plan
However, all this would have to be done before the car is actually sold.
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