+1. You should be fine. A vehicle is a necessity. If you went out and got a Z06 Corvette. Well then that would be a problem. Then the decision will have to be up to the lender. Some will make you reaffirm the car. Some wont. There's different angles. No reaffirmation and then pay and go. But it wont report to the CRA's and you can turn it in at anytime. Or reaffirm and pay as usual and it will report to the CRA's. Your attorney will tell you which way would be best once your numbers are laid out on the means test and other factors. We dont know your whole file. But I wish you the best of luck. Sorry it had to come to this. But hey. Many of us had to. Your not alone.