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Can your car be legally repossessed without prior notification after a chapter 7 bankruptcy?



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Probably. Only a few US states require the lender to give the borrower a "Right To Cure" notification before recovering the vehicle. All other states allow repossession with the only requirement being a breach of peace cannot occur. Wisconsin is the only state that requires a replevin order. Vehicles are considered secured debts and are not dischargeable in bankruptcy, therefore, the BK would not be relevant.