Is it possible if a creditor can keep my car tittle because I have a past due personal loan?

Man things are hard and I was suggested by my creditor to only focus on my car loan since I lost my job and it s my source of transportation to go to school. Now my personal loan is delinquent and they refuse to give me my car tittle. Should I file for bankruptcy ch 13 ? I really want to pay off my personal loan but just right now I need to finish school and I have a minimum wage job. It s possible but would be hard to save for emergency needs. What would you suggest?
Answers

A Hunch

If your loans are with the same lender, they are likely able to hold your title. The car may be held as collateral for the personal loan. You will have to review the loan documents to know for sure. However, the only way you would ever get the car title is pay the loan in full. If the car loan is paid in full, focus on paying the personal loan. What would I suggest: - look for a job that pays more than minimum wage - work 30+ hours a week There is little chance that you would be approved for a BK.

STEVEN F

The ONLY way a creditor even HAD your car title is if the loan was secured by the car, in which case is IS NOT a personal loan. I suggest you find a local advisor that can review ALL of your finances.

No Mercy

u file bankruptcy and u kiss any car or a house or even rented apartment good bye