You should have filed bankruptcy before your car was repossessed. If you had filed before the repossession, a Jacksonville Bankruptcy Lawyer could have saved your auto from being taken back by the creditor. This is a perfect example of why it is so important not just to ignore your bills, but to be proactive in finding out your options when you find that you cannot pay your bills any longer. This is when legal advise from an attorney who has experience in bankruptcy and consumer law is so important. If a legal repossession happened before the bankruptcy was filed, there is little chance in getting it back.