Will I get my car title back after filing a title loan under chapter 13?

In most Chapter 13 bankruptcy cases, the debtor files a plan that proposes to make payments based on the value of the car which is less than the total balance of the loan owed as of the date of filing the Chapter 13. The difference in the value to be repaid as a secured claim(based on the value of the car) and the loan balance is treated as an unsecured claim. All unsecured creditors are to be paid the same percentage The unsecured portion of the claim is paid whatever percentage (ie, 5% / 5 cents on the dollar) and the balance of whatever is left owing (the other 95%) is not wiped out until you receive a discharge. You do not get a discharge in bankruptcy until you make your last payment. Therefore, until you make your last payment the plan has not been fulfilled, you do not get a discharge and the creditor does not have to release the certificate of title. However, many creditors go ahead and release the title to the debtor when they have been paid the secured portion of their claim through the bankruptcy. If your loan is small enough that the entire claim is paid off long before you finish your bankruptcy, then the creditor would have to give you your title when the claim was paid off. Translated into english, 'you will get your title back the earlier of the date when a) the creditor's claim is paid in full or b) the secured portion of the claim has been paid and the balance (unsecured portion) of the claim has been discharged by the entry of a discharge order which comes at the end of the plan.

The title loan will be filed under the secured creditors. If you complete the payment plan the court approves, you should receive your title upon completion of the plan.

Once the loan is paid off based on the plan, you should get the title back.