If you are behind on your vehicle payments, then a Chapter 13 payment plan can catch up the payments and pay off the vehicle. If you are current on your vehicle payments, then you can usually reaffirm (keep) the debt and vehicle in Chapter 7 or propose that the vehicle be paid off through a Chapter 13 payment plan. If your vehicle is paid for, then you will be allowed to keep it in Chapter 7 depending on how much it is worth and will be allowed to keep it in Chapter 13 regardless of how much it is worth.