Chapter 13 Help

[catscanjim]

I am a year into my Ch 13 payment plan. I have 3 cars on my Chapter 13, 1 that I pay, the other two are paid by my daughter and her husband. They are in the bankrupcty but not in the payment plan.

The problem with the court figuring out your payment plan (100% in my case) is they leave no money over for emegencies.

I need to give up my secured auto ($415 per month), and just buy a cash vehicle. I have some expensive repairs to do to my septic tank. I am way upside down on my car, it is not worth it to me to keep paying on it. its a Chevy and they are bankrupt too, it has no trade in value because of it, and I need more money per month to live on.

My question is, if I turn the car back, what will happen to the loan? It is $6000 more than the car is worth. Will they go back to court over the difference and get my payment raised or just write it off?

Thanks for your help.

BTW, I live in Central Florida, I am 59 years old, divorced and live in the same house with my daughter son in law and 2 grandchildren.

Jim