Well I'm going to meet with a laywer tomorrow about filing chapter 7 and I just wanted to know, after I file, when I file my taxes for 2005 will they take all of that away from me? Also, I'm not filing on my car but I'm wondering if I should. My bank is loan is for more than what the car is worth by about $1000. If I don't file on my car now, what happens later if I can't make the payments? Will they just repo it or will it be classified as part of the bankruptcy?