I declared bankruptcy in May. I borrowed money from a finance company last Oct. and they have my 11yr. old vehicle as collateral on this loan. The loan is for 3 yrs. Can they constantly call me threatening to take my vehicle. It's only worth $3000 and the loan was for $8000. I can't even pay the legal costs if they seize it. I'm retired and broke. They are insisting on $269.00 per month for it saying they use a certain yellow book to get the value of the group it belongs in. I checked the black book at the dealers and it is worth between 3-4000. I can't even pay my utility bills plus my mortgage right now. What can I do here?