The bank repossessed my vehicle and now says after the sale they are suing me for the $3000.00 difference. Even though over the 4 years I had the vehicle, after I lost my job July 2010 and still unemployed, I probably paid the $3000 in late payments trying to keep the vehicle. I have barely $200.00 in my bank account and am about to have my house foreclosed, I have no assets anymore. I am a 57 year old woman who has worked all my life and because I had a high salary and my age I was let go from my job after 14 years. I have had to spend all my retirement trying to survive and I did not have much to start with because I lost so much of my 401K when the market crashed. What can they get? Can I have this dropped any other way than chapter 7? Thank you for your advice.