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Ask your own bankruptcy attorney about that. If the do repo the car, would you owe any cash loans augusta ga balance on the loan. Maybe not, but again I can't give you legal advice about this; you'll need to ask your own attorney. Considering filing chapter 7 bankruptcy. During the time I purchased my car in January 2014 I was working I was laid off August 2014. I am behind in my car payment because of the above mentioned. Can I file my car on the chapter 7 bankruptcy.