Is having a reposession morally wrong?

If you have financial troubles, and your vehicle gets repossessed, will that bring bad karma? Even if you are working on a plan with your attorney to find a way to pay back all your debts including whatever you owe to the company that financed the vehicle?

From a moral standpoint the answer will be:no. So long as when you made the choices that you made they're was no intent to evade the truth or take advantage of any lenders.

As long as there was no intent to defraud when you entered into the contract? The answer would be no.

If you told the truth to get the financing, had every intention of making the agreed on payments, and are willing to pay the remainder of what you still owe after the repo, there is nothing at all morally wrong with the repossession. In fact, you are probably far above most people with a repo in their history.

In the world of civil law, there are no rights and wrongs, only disputes and settlements. No moral judgement is ever given or implied.

That depends on your original intentions. If you lost your job or became ill, that is entirely different than going to the car dealer thinking, "If they only knew how I plan to burn their payment booklet!"

As far as your credit history is concerned, the lenders just look at your score and don't give a crap which of the above is the case.

They don't care if you're Jesus and the bad mark on your report is a bureaucratic error, which happens extremely often. (Bureaucratic errors, not Jesus.)

Sorry I not a believer in bad karma, but to answer your question, NO.. Are you filing for Chapter 7 or 13 (I never remember which one it is)?

You lawyer should be able to negotiate something where you can keep your car, as long as you agree to continue making the payments..

It is not morally wrong. It is, however, a physical representation of how immature you are in financial matters and financial responsibility.

No. So you have trouble with finances. Everyone does at one time, some more than others.

Just keep doing what you are doing. There is no bad karma for life handing you a lemon, unless you purposely caused life to hand you a lemon (as if you purposely quit paying because you felt like it).