you should be able to reaffirm the car. Trustee's are usually willing to reaffim houses and cars. But you might have to stay on top of it. In addition, not all creditors will report your payments even with a reaffirmation. Check with your lender and see what their policy is. I have run into that with a vacant land loan we reaffirmed. Shows as IIB/zero balance even though we were never late and sold the property 2 years after our discharge. I disputed with the cra that if they were not going to show our payments, then it needed to come off our credit report per the 7 year rule. Low and behold, the lender is now reporting it as paid in full, on time, no derog on credit report. I called them and got mad about it and it has now updated on my TU