My question involves bankruptcy in the state of: Texas.

I'm getting close to not being able to afford the car I have. I am 162% upside down on the loan/value so I can't refinance.

What I'd like to know is, Can a creditor force me into bankruptcy or sue me, put a lein against my house or worse if I just give the car back to the creditor?

Would there be additional consequences if I get into a contract on another vehicle just prior to the repo on the one I have?