You could re-open the case to assert that the creditor violated the automatic stay. However, this is not likely to result in you gaining much from the action, and it would cost more than its worth in all likelihood.
Here are the rules on reopening a case.
Rule 5010. Reopening CasesA case may be reopened on motion of the debtor or other party in interest pursuant to § 350(b) of the Code. In a chapter 7, 12, or 13 case a trustee shall not be appointed by the United States trustee unless the court determines that a trustee is necessary to protect the interests of creditors and the debtor or to insure efficient administration of the case."
(a) After an estate is fully administered and the court has 50. discharged the trustee, the court shall close the case. (b) A case may be reopened in the court in which such case was closed to administer assets, to accord relief to the debtor, or for other cause.
There is no statute of limitations, as such. Reopening the case would depend upon the criteria listed in §350 of the Bankruptcy Code.
Re-opening the case to allege that the lender violated the automatic stay does not guarantee that you'll get your car back or the lender's lien will be voided because of the violation. In fact, this is highly unlikely.
Also, it will cost you money to re-open the bankruptcy, and you really don't stand to gain much by doing so.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).