The bank just now (in 2020) notified the trustee In January 202 of non payment. As of now I still have possession of the vehicle. I have not been notified by the trustee regarding the past non payment. I continue to pay my monthly 13 plan payment however, I still have not made any payment regarding the vehicle. My question is, if it’s an unsecured debt that is in my plan but has not been paid were does this leave me after a years time with this creditor and my Chapter 13 case? What is the best corse of action to take at this point other than start paying on the loan even though I’m this far behind?
You will need to modify your Chapter 13 plan to provide for payment of the auto or you can surrender the car and leave the plan payment as it is.
