Even if you surrender your motor vehicle that still has an existing active loan on it, the car may not bring in enough at re-sale or auction to pay off your existing car loan. If it doesn't, you need to find out if your state allows for deficiency judgments because if it does, you may be required to pay the extra amount due. For example, if you owe $5,000.00 and the car at auction only brings in $4,000.00, you would still owe $1,000.00. Talk to your motor vehicle sales finance company and see if it can refinance the car to a lower rate or help you in figuring out what your next steps could be. Since you are in Chapter 13, I don't believe you can treat one creditor more preferably than the other. Talk to your trustee and see what options you have overall. You are reorganizing and it may be better for you to keep the car but you won't really know until you have done all the research to make an informed decision.