Ch 13 and car payment question

[karm43]

I bought a new car 6 months before the interest was extreme however got it knocked down we wanted to buy another my husbands car really old old when i meantioned it to my lawyer a couple times he really stirred me away from it. I don't know why he said he couldn't advise me to buy a new car, My payment was more then the allowance however with the interest knocked down it put me right where i needed to be. The only thing if my hub car dies will have to figure that out when the time comes. Big decision

[debtinohio]

I upgraded my SUV to a new truck @ $559/month about 6 months before filing. Since it was a 6 year loan, this raised the effective payment to $600 when filing since it must be paid for in the 5 years.

I had a second @ $600 at the time.

While I got a ton of crap from the trustee for my "poor choice in vehicles" in the end there were no objections and I'm only paying 19% of unsecureds.

My car payment of $600 on our second car was a lease (paid inside of plan as required in my district) that expired 1 year into the plan. I was allowed a new car payment allowance of $450 and the remainder went into the plan so my plan payment dropped by the $450.

I would look to keep both under $500 and avoid high-end brands.

[Mayo]

I wanted to throw in that the financier will hold on to the title to the car till your 13 is discharged.

[NeedOptions]

Believe it or not, my wifes car payment is $775 and mine is $500 and we live in CA and filed for Ch. 13 1.5 years ago. The trustee didn't bat an eye. I live in the N. Cali district. Good luck.