Whether you can get your car back after it’s currently been repossessed depends on timing! When it comes to timing, you DO have to act fast. Otherwise it will be too late to get it back, even with the help of bankruptcy.

Bankruptcy’s “automatic stay” stops the lender, at least temporarily, from taking the next actions after the repossession. That’s due to the fact that those following actions go to least arguably part of the lender’s enforcing its lien on the car, which bankruptcy stops.

The next actions after repossession usually include selling the vehicle, typically in a car auction. Once your lender sells the car, it’s too late to get back your vehicle with bankruptcy.