I was told by a couple attorneys, that the trustee reduces the interest rate on the vehicle loans in a chapter 13. Not sure if that is state specific, or not. This is so the creditors get more money. Now you might ask.. If I was told that why am I asking? Well it seems it's very hard to get the same answer from multiple attorneys, as I've had 6 consults and different answers on many issues.

Maybe I wasn't clear on the before bankruptcy...

My understanding is when you take out a auto loan, say 4 months prior to filing a 13. You will get whatever rate the loan company wants to give you. So say you get a 10% rate. The trustee I believe will lower to about 1.5% over prime rate. Supposedly to give more money to the creditors.