My question involves bankruptcy in the state of: My wife and i are in Chapter 13, although we made all our car payments they were 10 days late each month. Because of that the car company is voidin the contracts and placed an order for repo. How ever the car compnay said we we can keep the car if we paid $4000. the only problem is they are counting the payments we made late as not being paid at all and they are asking for the money that is in the Plan payment as well. can we sue the creditor for extortion, because they said if that amount is not paid they will take the car?