If you live in Texas, you know the need for transportation and a vehicle. If you have gotten behind on your car or truck payments, or even worse, your vehicle has been repossessed, then a bankruptcy filing can get your vehicle back. So long as the lender has not sold your vehicle after a repossession (which normally cannot occur for at least 10 days after repossession), the bankruptcy process allows you to recover your vehicle, restructure your vehicle payments, and continue to have transportation. All is not lost if your vehicle has been repossessed. In order to get your vehicle back, you will need to have proof of full insurance coverage and qualify to file a chapter 13 bankruptcy case.