If your car has been repoed (repossessed) the filing of a Chapter 13 Bankruptcy may help you get it back. You need to get your Chapter 13 bankruptcy filed prior to the sale of the the car. Once you have filed Chapter 13 the lender is not permitted to sell the car. The lender must turn the car back over to you. You can then pay the car loan through a Chapter 13.
Wayne Novick at www.gratefullawyer.com