If you don't list a debt in your bankruptcy case, and don't add it in on time, it may not be written off. So carefully include all debts.
To be able to keep your property that's collateral or security on a secured debt, you must give that secured creditor "adequate protection."
A creditor's rights over you in either Chapter 7 or 13 vastly increase if it has a security interest. Now's the time to find out for sure.
Your debts are either secured by something you own, or they are unsecured. Unsecured debts are either "priority" or "general unsecured."
A recorded tax lien gives the IRS/state a lot of leverage against you and your home. Chapter 13 can gain you back some of that leverage.
Chapter 13 cramdown doesn't just work for vehicle loans. You can also cram down debt for the purchase of "any other thing of value."
How Chapter 13 helps you keep personal property collateral on a debt (such as furniture bought on credit) for less money through cramdown.
You can file a Chapter 13 case if you are an "individual," have regular income," and don't owe too much.
If your vehicle is worth less than you owe on it, under Chapter 7 you can keep it by "redeeming" it--paying its present value in full.
If you're buying a vehicle, sometimes getting out of the contract is your best option. Chapter 7 lets you do that, owing nothing.
In a Chapter 7 case you "reaffirm" your vehicle loan if you want to keep your vehicle. This means you keep paying it.
A "lease" of furniture or other consumer goods may actually be a disguised purchase. If so, through "cramdown" you can pay much less on it.
If a creditor's proof of claim is a "priority" or secured debt is too high, object to it to avoid paying too much in your Chapter 13 case.
Here's a scenario showing how Chapter 13 solves problems that Chapter 7 doesn't solve in dealing with a creditor's disputed lien.