What can the creditor do next, my car was written off by the fiance company in 2011, but I still have it? Will filing bankruptcy help me keep it?

Yes, bankruptcy will give you several options with respect to the vehicle.   You can reaffirm the debt, which means you keep making the payments until the car is paid off, under a new agreement which will deal with the past due amounts that you owe.   Or, if the vehicle is worth less than you owe, you can do a redemption in a Chapter 7 case and payoff the vehicle at its fair market value in a lump sum.   Or, of course, you can "surrender" the vehicle by giving it back and not owing anything further.   You should discuss your options with a bankruptcy attorney in your area. Mark J. Markus, Attorney at Law Handling exclusively bankruptcy law cases in California since 1991. http://www.bklaw.com/ bankruptcy blog: http://bklaw.com/bankruptcy-blog/ Follow Me on Twitter:  @bklawr