<prompt> Human: Let me preface this with the fact that I am about to have to declare Chap7 bankruptcy due to being roughly 85K in debt. I recently moved from Hawaii to the mainland and brought my car with me. It is on lien with a Hawaiian credit union and I pay 400 monthly. I owe about 16000 on it but it is worth about 5500. That is, if it wasnt trying to implode and give me half a dozen engine codes.Everything about the damn thing stresses me out. What if I simply stopped paying for it? What would happen? Is that technically illegal? Like, could I be taken to court? Or would the car just get repod and I wouldnt have to worry about it anyway?This is probably a stupid question, I realize. Ive never intentionally missed a bill in the past.  <response>: When you declare bankruptcy, include the car. Do not reaffirm the debt. 