How Do I Keep My Cross Collateralized Cars in Bankruptcy? – Crystal

Converting 13 to 7 and want to KEEP my Cars – All Loans Cross Collatorized

Recently my husband and I filed a chapter 13 case and had been making payments with no problems. However, before going to the final hearing my lender on my second mortgage and 2 car loans is objecting due to cross collatorization. In any event they wanted to re-negotiate a higher payment on the second mortgage which was supposed to be eliminated though the 13 plan becuase there is no value. I can not afford a higher payment and the house is just not worth it so we chose to convert to a 7.

How likely is it that they will at least reaffirm my car loans, which I can afford?

And any monies that were remaining in my chapter 13 case, will they get distributed to the creditors and my attorney, becuase he had monies due to him through the plan?

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