Yes, but you must act quickly. You generally have the right to redeem the vehicle under North Carolina law for 10 days. You must therefore file before the 10 days period expires. If the creditor has not sold the vehicle within the 10 days you may have a little longer to effect the return of the vehicle through bankruptcy.
However, it is far better to file bankruptcy before your vehicle is repossessed. If the car or truck has been repossessed before the bankruptcy cases has been filed you will be without the vehicle while its return is being arranged. Moreover, its return is often subject to conditions requiring prompt future payments.
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