If you want to keep your house or car after filing for bankruptcy then you need to continue to make monthly payments. The way you make the payment may very depending on the type of bankruptcy you file.  You should make sure your Utah bankruptcy lawyer lets you know how you should be making your payments after your case is filed.  Be careful, some creditors may stop sending you statements or discontinue your online access out of concern that they may be violating the automatic stay. It’s up to you to mail your house or car payment monthly. Many times these installment payments are a great way to start rebuilding your credit.  However if you don’t make the payments are on time it can hurt your attempt to rebuild your credit.