I'm considering filing a Chapter 13 and I have a house and a SUV that would fall under the 910 day rule aka "cramdown". My attorney gave me a rough payment of $200 that I would have to pay to the court. I remember the bankruptcy attorney explaining to me that our payments will be going down because we will be paying what it's worth, not what we owe at a max internest rate of 5 1/4 over 58 months. Does the Trustee distribute our monthly payments to the creditors for the SUV and our mortgage payment or do we pay the creditor like we have been normally before filing?
