
Quoting
Mr. Knowitall
When you say "Do we have to trade in one vehicle", I'm not sure what you're getting at. If you qualify for credit to buy a new vehicle, you qualify for credit to buy the vehicle.
As the new vehicle loan would be a secured debt, it should present fewer issues in bankruptcy than running up unsecured debt shortly before filing; but it could be viewed as an effort to run up debt to avoid paying back your creditors over the course of the Chapter 13 plan. You are generally better off waiting @90 days, although experiences will vary. You should really discuss your strategy with a bankruptcy lawyer before proceeding. An initial consultation should be free. Note that buying a car before bankruptcy can be a good idea, as it can be difficult to get approval to buy a car during a Chapter 13 plan, your credit will be harmed by the bankruptcy filing, and the terms of your car loan (if poor, e.g., an unduly high interest rate) may be subject to modification as part of the bankruptcy.
Your deficiency from a prior foreclosure will be treated as an unsecured debt, and thus should be discharged in whole or in part through your Chapter 13 plan. Credit cards, similarly, are unsecured debt. Are you suggesting that you might try to keep some debts out of your Chapter 13 plan and repay them in full? I'm not sure why you would want to do that.