Car Repossessed? Immediately get your repossessed vehicles back with Chapter 13 It is not uncommon for many of our clients to come to us too late, such as after a wage garnishment, bank levy, or auto repossession. Yet most people do not realize that Chapter 13 can return repossessed vehicles immediately, and in most cases without paying any fees. That’s right! While you might be told by a creditor that you need to pay $1,800.00 to release the vehicle from impound, Chapter 13 eliminates those fees and allows the immediate release upon bankruptcy notice.