My question involves bankruptcy in the state of: Colorado.

I purchased a vehicle at $23K, and made every payment on time for 1 and 1/2 years. Due to other extenuating circumstances, living beyond my means after a layoff, I decided to file bankruptcy. I was young and was getting married and we both decided it would be best to file and remove my debt beforehand.

At the request of my attorney, I contacted all creditors to request up-to-date statements of balance due in order to proceed with my Chapter 7 filing. This included my auto finance company. Even though it was up in-the-air if I was to include my car or not to. My main dilemma was that the warranty was nearing expiration and I was approaching an up-side-down loan situation (if wasn't for my trade-in, I would have been).

Within days of requesting a statement, my car was repossessed by the finance company. I had not yet filed for bankruptcy, and was current with my payments. This all happened a month before I even filed with the courts and was still in the preparation stage of compiling paperwork.

When the repossessor came to my parents home, they stated they had the repossession order and it was voluntary... but I could not change it. I was told to take it up with the finance company. I made no attempt to hide my vehicle and was completely unaware of their proceedings to take it back. I was compliant and removed my personal items and released the keys, but was not asked to sign anything.

This case is a bit different because according to their documentation, I wanted them to pick it up. This was not the case. That's why I made payments to remain current in order to keep my car until I filed... and even then, it was not concrete whether I was even going to put my car on the bankruptcy petition. I needed my vehicle, as I was a mere month away from my wedding... coordinating my husbands return from combat deployment... and we were to move across the country shortly after as my husband was still active-duty in the Marine Corps. I did not offer this information to the finance company, as I never intended to keep my vehicle and take it to California. I had planned to leave it after I had filed and contact them to pick it up. Instead, they stalked my parents house to locate it! Ultimately, I filed a day before my wedding, but had to deal with so many hassles without my vehicle for that whole month. Is there some kind of liability they must abide by? I understand they owned the car, I was still paying it off... but there must be some kind of stipulations they must adhere to in order to repossess a vehicle, right??

Any feedback, thoughts, or advise would be much appreciated. Thank you!