Question about financed cars and filing Chapter 7

[sunkinsc]

I have 2 cars, both financed. 1 is financed from a buy here pay here lot and is currently at almost 2 months behind. The other is from a 2nd chance lot but a major dealer in town which is not yet 30 days late but will be in a week.

What is the process when I file Chapter 7 if I am behind? Can they repo immediately or are the cars also safe under the stay from being repo'ed?

One of the cars has a device that requires a code entered they give me when I make a payment. Can they legally turn the car off with this device if when I file Chapter 7?

[LSUTiger32]

The stay should keep them off of you for a while. Sounds like getting rid of them will be a good thing. A device that you have to enter a code when you make a payment? Whack.