We recently filed Chap 13. We included the arrears for a vehicle which we just totaled. We want to keep the vehicle. Should we pay it off with the insurance $? As I understand it, we would have to include the now freed monthly vehicle payments in with my Bankruptcy payment to repay creditors. That would not allow us the ability to save and restructure. Please note that we have another vehicle that was NOT included with roughly the same balance that has a higher payment. I am thinking of paying this vehicle off instead. Please advise.
