Yes, that's right... I said it! Actually working with creditor attorneys, especially when they file responses to your claim objections, objections to confirmation, and possibly even filing motions for relief from stay.

The key here is that if you want a plan that works, and that doesn't anger the automobile creditors (I just learned this one), you sometimes need to negotiate.

While I motioned to have two cars valued, the creditor (same creditor on both vehicles) didn't like the valuation on the 2007. The vehicle was purchased within 910 days, but not for myself, but they didn't want it valued. In the end, I conceded and will not value the vehicle (rather than fight about it).

I was able to get the Interest down from 12.59% to 8% with just saying "How about I just pay 8% in plan and the entire claim?" Their Attorney says... fine!

However, I'll caveat this. They hide behind their legal assistants and paralegals, so it could be difficult reaching them at first. In the end, it seems to work out.

I've successfully stripped a 2nd ($127K), valued one of two vehicles ($12K savings), and successfully disallowed a good number of claims.

In the end, you need to know when to pick you battles and when to surrender! I surrendered on the second vehicle valuation, because they were prepared to fight it in court. I really didn't have a godo argument, so I bowed out of that fight.

Your mileage may vary.