You can refinance your car loan even if you are in a Chapter 7 Bankruptcy case!
For instance, lets say your car has a fair market value with NADA (used by the Courts in the Western District of Missouri) of $10,000. Unfortunately, you owe $15,000 or more for the vehicle. If you want to keep the car, you can redeem it by obtaining new financing and paying off the old loan at the fair market value of the vehicle. You then make the new lower car payment with the new company and keep the car at its true (lower) value!
There are several companies that do these types of loans. I like: