REPO - 5 Mos Late and Lease ends in March

[BrokeToo]

I filed BK7 back in 10/09, stopped paying on my Ford Lease financed through Ford Credit the month prior (September), with every intent of surrendering in BK....BUT my BK7 was dismissed (without prejudice) because of over the median - presumption of abuse (mind you the system is critically flawed bc now i'm in ever worse shape bc they use IRS "magical" numbers, which are in no way shape or form REAL expenses). Anyways, back to the point of this post...
So at this point I owe 5 months at $400/ month to catch up to January's payment. The lease ends on 3/5/10 and I am over-mileage which would tank me an additional $1300 dollars, leading to a total amount of over $3700 dollars (that I can't afford).
My question is if I have it repo'd, let them sell at auction (yes, I realize I will be on the hook for the deficiency), and let them send me a final bill of sale for the obscene amount, how long can I buy time before I have a judgment filed against me? I plan on refiling BK at the beginning of September. Is there any way to survive without judgment/garnishment for 7 months? How long does this process take? I'm hoping someone can help me out here.....I have a baby due in July so I know my BK will go through this time.

[cash]

I am new here but I can share my experience with the 2 repos. I had a Honda motorcycle repoed in Sept. of 2008 and within two months they had sold it at auction and sent me a bill for the difference. I did make payments on that. I had a Toyota with SETF and I actually turned it back into the dealership in June 2009 and it took them 3 months to sell it. They have contacted me about the difference but I have ignored them and still no sign of being sued yet. Hope that helps.