Is 13 better for me than 7

[jtindisguise]

I have some real estate that I have fallen behind on. I also had a vehicle repossession this past summer and Ford Motor Credit has filed a suit against me. I do not currently qualify for 13 because I have too much secured debt but my unsecured debt is very low. Cutting to the chase, I have some eye brow raising transaction in the past two years reflected on my bank statements. I had money in and out of my account and cannot really justify what I was doing (I'm a horrible record keeper). I was planning on 7 but some friends recommended that I let the houses foreclose and then file 13 to remove my 2nd mortgage on my house that I am keeping. Can I get some pros and cons because every attorney I meet with tells me something different? Also, what can I do about Ford? They want 15K for 8 months of unpaid lease payments which equals 4K.