You've never missed a car payment:
A bankruptcy can discharge your unsecured debt allowing you to keep making your payments. As long as you continue to make your payments, you can keep your car.
You've missed payments:
Arrearages on your car payments can be included in a Chapter 13 plan. This will allow you to make up your missed payments over three to five years.
You've got options through bankruptcy:
Better yet, if your car is worth less than what you owe, your debt can be "crammed down" to the value of the vehicle. Certain rules apply however. You must have taken possession of the vehicle at least 910 days before we file your bankruptcy petition. If your vehicle loan doesn't meet the 910 day rule, it's still possible to make a deal with your lender.
Circle Law can help you review your financial circumstances and determine whether bankruptcy may be an option for you. Contact Circle Law.