Payoff 100% more than expected...

[PI_Lvr]

I want to sell my house and pay off 100%. I've been in for 5 months on a 48 month plan. My 100% payoff would be around $90k but my house is only going to bring in around $72k. I have one secured debt (leased vehicle) that I'm paying back 100% and would get a loan for but don't know if it is feasible. I don't know what else to do, or even if that would be an option. I just really want out of this house and BK due to recent divorce (that didn't cause the BK). Chapter 7 not really an option due to needing the vehicle. Unless there is a way to keep the vehicle after converting to a chapter 7. Any input would be greatly appreciated.

[HHM]

Generally, its better if you can stick with the Chapter 13 plan.

Generally, the reason a person ends up in a Chapter 13 is because they have disposable income, i.e. income in excess of their needed living expenses. If that is no longer the case, you should consider converting to a chapter 7.