can you keep your car in chapter 7

Whether you can keep your vehicle or any other asset, depends on what exemptions you have available to you under applicable law to protect that asset. Exemptions are "protections" for value you have in certain assets such that they are "exempt" from collections.  Every state has different exemptions amounts available. Exemption laws are based on the state where you resided for the 2 years prior to filing your bankruptcy case or, if you lived in more than 1 state during that period, in the state where you resided for the greater part of the 180 days prior to that 2 year period.  Assuming that you have lived in Arizona for more than the past 2 years, Arizona's exemption laws would apply to your case and according to what I see, they have a $5,000 exemption for vehicles ($10,000 if married).   How you value your vehicle and what the Trustee's in your area will do if there's some non-exempt equity is something you should discuss with a bankruptcy attorney in the area where your case would be filed. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.