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It would be simpler for all parties if you contact them and voluntarily surrendered the car at the lender's discretion. Although you do not legally have to reliquish any property until the BK is discharged.

How much time do you want to buy? The court will tell you what to do if you don't contact the lender.

The court will contact the lender after you file and ask what the lender wants...actually, where and when he will pick up his assets.

Usually a month.

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Q: If filing Chapter 7 including a car that will not be reaffirmed should you contact the lender for a voluntary repo or wait until they contact you?
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