I am hoping for some advice. I just filed Chap 13 and will be keeping my car and house. I am not late on either one but have an investment property included in the BK and all of my CC's. I have not had the court visit yet and I don't know how much my monthly payments are going to be yet (meet with my attorney tomorrow). My question is this. Depending on how much I have to pay each month, I am anticipating I may have to get rid of my car because I won't be able to afford the high payments. My attorney keeps saying it will all be worked out but I am anticipating having to get another car. I know that this will be at least 3 years and that I probably can't get new credit for a long time. Does anyone know if I will be able to negotiate with a car dealer for a different car with lower payments before 3 years are up and probably within the next 6 months or so?