Menard, TX Bankruptcy Law Firms & Lawyers

Filing bankruptcy will not stop an unlawful detainer action (which I am assuming is what you are talking about). It may just stall them a couple weeks, but that's the most. You can try that option, especially if your main purpose in filing is to get rid of debt, as well.

Yes, you can keep your car but you will have to file a reaffirmation agreement to keep the car. You should keep making your payments and wait for the reaffirmation agreement.

You can file bankruptcy any time you want (assuming you are eligible to file under a given chapter). Whether it is "too late" or not depends on what it is you're trying to accomplish, and you don't provide enough information to even begin answering that question. For example, if your goal is to stop the foreclosure sale and use bankruptcy to catch up on the payments, then it is too late to file after the foreclosure sale has taken place. If your goal is to discharge any deficiency you owe under applicable state law after the foreclosure sale, then it's never too late to file, although there can be significant tax consequences depending on when you file your case.  You would need to discuss that with a tax attorney who has bankruptcy experience. 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.