i did chapter 11 i think it was,and kept my cars it cut my payments almost in half and wiped out alot of cc debt and we only had to pay back 45% of our total debt and we could include and exculde whatever so we left our house out of it.. you will make one payment and when payments are finished your credit will be fine its not your average bankrupcy. but yeah dont surrender it you could end up paying on the car if it auctions for a small amout of $$ and have a nasty mark on your credit. i used a attorney gregg stittleburg in marietta give him a call for some advice. good luck