I kinda really need my car!
Being able to get around is important, and sometimes public transit is not a viable option.
When one must declare bankruptcy, the decision to keep your vehicle or not is crucial because it can have consequences on your ability to work, study, or take care of your family's needs.
In Quebec, if your vehicle is free of liens, of modest value, and necessary for your basic needs, it is not subject to seizure by the trustee. This rule is outlined in the Code of Civil Procedure.
If it is not lien-free, you can keep your car if you are up to date on your payments and can afford to continue paying for it.
Therefore, it is important to consult with a licensed insolvency trustee to determine what is best for your situation.