I just received my notice of right to cure default letter from my credit union for my car loan. I have retained my attorney, but have not filed yet. I haven't made any payments on my car loan since May. What is my next step in regards to this letter? My attorney has said the credit union might work...

Last year, trying to stay afloat, I consolidated my credit card debt into a $12000 credit union loan, secured by my 10 year old car worth about $6000 retail and $3300 clean tradein. Now that I will be declaring chapter 7 I assume I should continue paying this secured loan, because I want to redeem...