If you have filed Chapter 7 bankruptcy and your car was not included in the at the time but now want to volutarily give it back what do you need to do?

Well, First of all, it would have been a lot easier to include it in the bankruptcy. You'll now have to do a "voluntary reposession". You call the lien-holder and tell them that you can no longer afford the vehicle. They may force you to keep the car until it's 60 or 90 days late, in which they perform a regular repossession. You need to realize that the loan company now has the right to go after you to make up the difference between what they sell the car for, and the principal left on the loan. Had you included it in your bankruptcy, this would not be a problem... I'd recommend you try to sell the car privately or at a car lot under consignment and pay off the bank. Why was the car not included in the Bankruptcy??????That is illegal it should have been included you cannot favor one debtor over another.See if you can amend your filing and fast!!!!Good luck....just for the record there is no such thing as a voluntary repo... as wonk says a repo is a repo .......