My moms car just repossessed yesterday and I was wondering if getting the car back is better for your credit score than leaving it. The car is a 2002 Ford Windstar LX kelly blue book value is about $4000 and all that is left on the loan is $3000 plus she had been making payments and was only behind with late charges included by $800. To get the car back it would be the $800 plus an additional $350. Also she just recently filed bankruptcy. So which would be better for her recovering credit score, leaving the car or getting it back