One had endearment. Dad died 2014. Mom decided to stay in Florida, 500 miles away. New or newer car was needed to go back and forth. Mom agreed to move to Georgia 2015. No more need for car, but wife was a stay-at-home mom. She drove a lot.
To lose the car loan would be a tragedy but as simple as driving to the nearest credit union and dropping it off. They owned the car. A second chapter seven would be as simple as Clark and Washington. The first chapter seven followed foreclosure and a failed chapter thirteen.