After a debtor's default, a secured creditor may sell, lease or otherwise dispose of the collateral in a commercially reasonable manner, by public or private sale. Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. (VA Code 8-9-506.) Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. (VA Code 8-9-504(3).) If you file for a Chapter 13 and have the proper insurance you can get your car back if they have not sold it yet.
By Law, Toyota Financial Services must provide you with advance written notice of the date, time and place that your car is going to be auctioned- usually within a month of the date of repossession. In addition to the balance of debt existing prior to the repossession, they are entitled to charge you for the act of repossession, the cost of advertising of the sale, the auctioneer's fee, etc.
Your best bet is to immediately hire a bankruptcy attorney in your area- this is NOT done overnight as there are credit counseling and other requirements you MUST fulfill before you are able to get into the bankruptcy Court system. Good luck.
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