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Getting My Repoed Car Back By Filing Bankruptcy: Everyone knows that if you do not make your car or truck payments, the creditor will send someone out to repossess the vehicle. In most states, including Kentucky and Indiana, the creditor can exercise what is called "self-help." This means that the creditor need not file any type of legal proceeding with a court, but rather, can simply hire some thug to sneak over to your house in the middle of the night, hot wire your car and drive it off. So you could get up in the morning for work and find your car gone. They can even come to your place of employment and swipe your car. The worst part is they don't even have to let you know they're going to do it. More