Secured vehicle "totaled"

[kjs2434]

I have questions concerning the process of handling a secured vehicle in a chapter 13 plan that is "totaled". The insurance company has paid off the car loan.

Does my monthly payment to the "trustee" change since the car loan is paid off?

Can this car loan portion of my montly payment be applied to another vehicle?

I appeciate any help.

[HHM]

Was the trustee paying your car payment, or were you paying them directly to the car finance company?

[kjs2434]

The trustee was making the car payment.

[Alwaysastruggle]

This same thing happened to me last year. My car was being paid through my Ch 13 and was totaled. We had to call our insurance and tell them we were in Ch 13. The insurance company made the check out to us, car loan company & trustee. We had to send it to our car loan company and they signed off on the back of the check and mailed to me then I signed off on the check and then gave the check to the trustee and he paid it through the plan. Our plan payment didn't change it just cut the payback time down. Now instead of getting out in Nov 2006 it is July 2006. Also we only had to pay the secured part of the loan and that left us with about 900 dollars in our pockets that the trustee signed over to us.... good luck