Payments To Secured Creditors Outside CH 13 Plan

[kornellred]

I am paying for my financed 2007 auto outside of my Chapter 13 plan (still unconfirmed).

It seems that my 2007 auto, with only 3,300 miles on the odometer, has developed a random operational failure which the dealer has not been able to duplicate. (How many times have you heard that one?)

Car problems, in general, are discouraging. When you no longer have credit, and you really don't need the vehicle to begin with, you start thinking "why should I keep paying for this - I'll just take it to the dealer, remove the plates, cancel the insurance, and tell the lein-holder to repossess it."

I think I read somewhere that failure to make payments outside of the Chapter 13 plan is cause for dismissal of the Chapter 13 case.

If that's true, do I have to seek permission to abandon my interest in keeping the car?

[chloe0724]

If you;re considering giving up the car, try to do it before you're confirmed. Have your attorney amend the plan if possible.

[kornellred]

Hi chloe0724 - I definitely do not want to give up this car - I enjoy it a lot. But then again, cars can sometimes be lemons, especially newer ones with all the high-tech electronic control modules interacting with each other.
I won't give up on this car until I am at my wit's end. Confirmation of my Chapter 13 plan is bound to occur before then.

Just trolling around to see if anyone was ever in a similar situation. My attorney will certainly inform me as to what's possible and what's not.