I have a 2002 Envoy that I owe $12,000 on and its worth $7,000.

It has dragged me down financially so hard (with unexpected repairs, not to mention the monthly payment), that I am looking forward to forfeiting it. Im sorry to say but I cannot have a fresh start with this vehicle.

My advice to you is dont worry about whether or not you can keep the car, but is it worth it? After you file chap 7, is the vehicle going to be reliable for a while? Can you have a fresh start with that vehicle, realistically?