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hi this is michael sandler with fisher sandler answering your quick bankruptcy questions with quick answers so today i want to address car title loans people come in all the time and they have a loan for several thousand dollars against their car they took out because they need some quick cash and the question is can they get rid of that title loan well yes and no yes you can get rid of your personal liability for that loan by getting a bankruptcy discharge in other words if you owe five thousand dollars to a car title company and you dont pay it they cant come after you and sue you and garnish your paycheck or garnish your bank account however if you dont pay it and they have your card title they dont have to give it back even if you go through bankruptcy so if you go through bankruptcy and you dont pay for that car uh title loan then they dont have to give you the car title back and you may never be able to sell it so personal liability can be ext