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If you don't don't make your payment; they sure can. Chapter 7 bankruptcy doesn't last 3 years anyway. Once the automatic stay is up (meaning, you received a discharge) or the case was dismissed. They can do anything they want. In fact, they can file a motion to life the automatic stay and take the car as quickly as the judge approves it.

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Q: Can a creditor take a car after 3years of chapter7 bankruptcy?
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