If you have not filed, and your attorney has not notified them, then you had no protection against repo.
If you did file and they were notified, then you have some recourse because all included debts are now subject to the BK court ruling.
But from your post, you indicated that your attorney said "wait" for income purposes, and to not pay anything. Bad advice on cars or homes, IMO. Your attorney most likely cost you your car. The auto lender has no requirment to return the car if it is repo's and CO'd prior to you filing.
If your attorney told you to contact the creditors and to give them the attorney info PRIOR to you filing....IMO this was bad advice. Your auto lender was put on notice to "repo now or be subject to the filing." They chose to repo and not go through BK because they know the debt will be discharged or adjusted anyway.
Your BK can list them to discharge any liability of deficiency, but you can't require them to return the auto at this point.
Disclaimer: This info is IMO and not legal advise or represenation....get with your attorney and ask them about this.
