What happens to a car that is repossessed just before, during or after a personal bankruptcy case? The answer depends after which kind of personal bankruptcy or which chapter alternatively, that the debtor offers filed. In addition, it depends after set up debtor really wants to recover the vehicle or just allow vehicle go. The essential rule is really as follows; the debtor continues to be the helpful owner of the automobile until such period that the vehicle comes at auction. This implies, the debtor has the capacity to recover that motor vehicle and negotiate with the lending company ahead of the auto for sale at auction. This assumes of program that the debtor possesses filed a personal bankruptcy and that the programmed stay has truly gone into effect.