Many times, you can lower your car payment by putting your car loan in your Chapter 13 Plan.
For some debtors, a "cram-down" is possible. This is where you restructure your car loan to pay the value of the car, rather than the loan balance. This is obviously a big advantage to the car owner who is "upside down" on their vehicle loan - ie; they owe more than what the car is worth.
By speaking with an experienced chapter 13 attorney in Oregon you can understand what options you may have to restructure your car loans by filing a Chapter 13 bankruptcy.
For more information, visit our website at www.pacificbankruptcy.com.