Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - If you are filling Chapter 13 Bankruptcy do you get to keep your home and car if you have a lien on it? - If you include them in your BK then yes. 13 you keep 7 you surrender. I work for a repo company and deal with this all the time. Even if you car gets repossessed and you file chp 13 (within a certain period of time) you still get your car back without having to pay any fees. You still have to repay the loan, but at a different rate and schedule. -