Your obviously a person who cares more about some car than your credit. Bad logic leads to bad choices and a cycle of financial problems throughout your life. Shame
In BK the debtor is allowed a set of exemptions. Each state has statutes regarding what is exempt and to what extent (amount). They are different by state and/or federal law. The debtor/consumer should find out what the exemption laws of his/her state of residence are before filing. And if they can choose between state, federal or a combination. The BK attorney should supply you with this information. If a person is handling their own BK, they can obtain the needed forms/info. from the Federal or state, court clerk's office. Depending on the choice(s) of how to file. Another option is online, forms/filing. Always use caution when using the internet and/or "do it yourself" transactions of any kind.
Contact your nearest lending institution that does automotive related type of loans or a buy here pay here car lot and they will direct you to there agent oh yeh Im a agent covering the middle Tennessee and Detroit Michigan areas good luck and if you need this done in my coverage area contact me at 931-526-2632 my name is Charles and I would be happy to assist you.
small claims court
For someone to take over the payments they must essentially get a new loan for the payoff amount in their name. This new loan will pay off your loan and will make thir payoff amount higher than yours.