Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Can a bankruptcy judge make a creditor lower the interest payments on a car note? - Timothy is spot on in a 13. If you are in a 7, you have three choices: Either turn the car in, reaffirm the loan's original agreements or threaten to turn the car in in an attempt to get the creditor to renegotiate the terms. Since it's a secured credit item, most likely you'll have to reaffirm the loan as-is or turn the car in. -