i have 2 vehicles with payments of 730 a month. my ssister inlaw just gave us a car and we want to get rid of one.

if i file chapter 13 and let the car get reposessed add in the Deficiency of the car. or what else can i do?

also i have a second mortgage of 56,000. and my house is 210,000. the house apprases at 200,000. it was worth more when we took out the second mortgage, and did a 125% loan. has anyone ever tried to add the second mortgage into a chapter 13 case cause the value of the home is taken up by the first mortgage.

third
i have 125,000 in credit card debt. i have sold alot to keep up the payments.
if i were to try to file chapter 13, and i could only pay 170.oo a month, how would this work? 170x12x5 years = 10,200. how would they ever let that fly. only paying 10,200 on a 125,000 debt.

fyi
i have a bipolar disorder and just keep spending to try to be happy. seemed like it was the only way to keep me happy. i would like you to know this, and i am not out to abuse the system, i have been in counceling and medication for 6-7 years. for anyone who cares, i just want u to know why i am in debt so much