Surrendering Car- have question

[Dizzy]

We've been going back and forth on 7 or 13. We're now leaning towards the 13 in order to keep the house. I am wondering whether my projected 13 payment will be lower than what we were told since I gave the car I used as collateral on a signature loan 8 months ago to the finance company. The loan will now be considered "unsecured", right? They will treat it in the same way as the credit cards, etc.? Originally I wanted to keep the car(with an 8k loan against it) and my house which is about 4 months behind ( approx 4K). That is what I told the attorney when he figured my payment. We were hoping that since we surrendered the car, our payment would be significantly lower now. Our debt includes about 4K in mortgage payments that are in arrears, $1800 worth of furniture, about 10K in credit card debt, and 8K which we owe on that loan in which we used the car as collateral. If they will now treat the loan as unsecured, our house and furniture would be the only things considered secured and I don't know, but do they cram down the furniture loan? We are nervous that we won't be approved for a loan mod on the mortgage and would rather catch up payments thru a CH 13 if we can afford the payments.