If you failed to pay your auto loan for more than thirty days you are considered in default on your loan. If you default on your auto loan your auto company can repossess the vehicle. If you are unable to pay the amount required to bring your loan current you can file a chapter 13 bankruptcy. The auto company will not be able to repossess your car even though you are in default on your car loan payments. Once you file a chapter 13 bankruptcy you will receive the benefit of an automatic stay. The automatic stay simply says to your auto company STOP, do NOT repossess that car! It is also possible to have your car returned to you if you file chapter 13 bankruptcy after the car has already been repossessed. You must file chapter 13 within several days of the repossession to have an opportunity to have your auto returned to you.