Can filing a Chapter 13 bankruptcy help me if I have past due car payments?

Yes. A Chapter 13 bankruptcy will allow for the past due payments and the entire balance on your car loan to be consolidated in the bankruptcy plan, which will allow you to pay it off in within the 3- to 5-year timeframe already discussed. The car finance company will no longer be able to repossess your car and you will no longer have to make a payment directly to the finance company. Only one payment is made, and that is to the Chapter 13 bankruptcy trustee appointed by the bankruptcy court to oversee your case.