The filing of a Chapter 13 case will stop a vehicle from being repossessed and can return a vehicle that has already been repossessed if the case is filed quickly (normally 10 days, but the sooner the better). The vehicle payment will then be paid through your monthly Chapter 13 payment. The payment allocated for the vehicle is often more manageable because the interest rate can often be lowered and if you owe more on the car than it is worth, the car can be paid back based on the current Blue Book value.