Cram Down: If you bought your automobile over 910 times before you file bankruptcy, you may only have to repay an total equal into the existing worth of the car.
three. Surrender: If you cannot pay for the monthly payments on your car loan or should you figure out that you just owe in excess of the vehicle is value, you could unload the car along with the debt with your Chapter seven bankruptcy by surrendering the auto into the creditor.
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In short, debtors who would like to preserve their automobiles have to pay the full financial loan amount of money as an alternative to "cram down" the financial debt to the value of the vehicle.
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