We got caught up in a bad mortgage loan. High payments and balloon payment at the end equal to value of house. I'm 72 and my wife is 69 and just diagnosed with arthritic problem and can no longer work. We just have ss and my retirement. We also have a leased car. We cannot keep up the payments on the chap13 and eat. We also have a leased car where the lease is up in december. I have been making the house payments - bills in the chapter 13 including the car. Our attorney has been no help at all. I need to reduce stress also due to a triple bypass.The house was arrears and that portion is in the Chap 13. I have been making the monthly payments on time ever since. We have been in the 13 for 2.5 years. The house is worth 120,000 - payments are 1200 for 30 years and the last payment is supposed to be 126,000 which will be when I'm 93 years old.