It is up to you what to do. If you have owned the car for more than two and a half years we can put the car in the Chapter 13 plan and you will only need to pay what the car is worth over the term of the plan. This often results in a drastically lowered car payment. If you have owned the car for less than two and a half years, it can still be paid through the plan and often the payment and interest will be lowered. If you simply don’t want the car, it can be rejected and normally nothing is paid to the lender. It is always free to talk with us and go over your options.