Yes. (The only caveat is with a few creditors that I’ll cover later). Even if you don’t reaffirm the car loan (or a home loan/mortgage for that matter), so long as you pay off the balance in full, you will own the car.  You’ve fulfilled the contractual obligation, and the lender has no option but … Continue reading I filed for chapter 7 bankruptcy but didn’t reaffirm my car loan but am still paying it. Will I eventually own the car?