Chapter 13 can be used by individuals who have fallen behind either on their home payments or on their car payments. So rather having your car get repossessed, you could file a chapter 13 bankruptcy and pay back your car debt in the bankruptcy. Once we file the bankruptcy case a restraining order goes in to affect, it outlaws and of your creditors from taking any type of action or any type of contact against you what so ever; therefore, your car cannot get repossessed, once we have bankruptcy case number assigned to your name.