Sounds like you have an attorney who doesn't do a lot of bankruptcy work. There is no reason to keep the truck, if you don't need it and don't want it. The moratorium is only a stopgap measure, that doesn't cure any problem except a temporary one (if you're having a baby and will be on unpaid leave for a couple months, that works pretty well). You need to get a modification of your plan that ends the payments for the truck and makes any deficiency an unsecured debt.
Answered on Aug 03rd, 2016 at 6:54 PM