Yes and yes. You will have to tell the trustee you have additional assets (as income) and that will be used to help determine how to reorganize your debt and might actually be to your advantage. The bottom line is a Chapter 13 is simply a reorganization wherein a debtor has the ability to repay debt but in a longer or different time frame as opposed to a full bankruptcy wherein most dischargeable debts are indeed discharged. You must inform your trustee of all assets and a simple search at the local DMV title bureau (which most trustee can do and do as part of the due diligence) will see you own a vehicle with a lien and then will know who is your lender and how much you owe. You must tell your trustee when the loan is paid off (and again a title search can reveal that information as well). You must be straightforward with your trustee and the bankruptcy court; otherwise, you can risk the entire bankruptcy will be dismissed and you can get into serious trouble for attempting to hide assets.