text: It depends on where you live. In some states the repossession is not final until your redemption rights are exhausted. If you file you may seek return of the car but you will most likely have to show proof of insurance and the bankruptcy court may limit your use of the car. You should contact an experienced bankrupty lawyer. There are a number of experienced practitioners who are part of the National Association of Consumer Bankruptcy attorneys. Find it on the web at nacba.com.