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My mother is considering filing for bankruptcy. She has all unsecured debt (credit cards and payday loans). She just recently bought a vehicle that i am helping her pay for. The car was old, the maintenance was killing her finances and she didnt have the money to keep this old car going. I am picking up the excess so that her payment for this car isnt any more than the old one. She has no other property. Will this hurt a chapter 7 filing? She doesnt want to include it, she didnt get the car just to not have to pay for it.