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Is the down payment owed to the dealer secured by your car? In other words, is there a lien for the dealer on the car title?
Well, both the financing and down payment are through Nissan, but it was explained to me that they were two seperate entities...so idunno if that helps?
The money owed to CareCredit would be treated the same as unsecured credit card debt.
If the downpayment is secured by your vehicle - and it probably is - the car can be repossessed if it is not paid - even if you file a Bankruptcy - but not while the Bankruptcy is in progress. The lender would have to wait until the Bankruptcy is closed (around 6 months after it is filed).
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The security agreement would be in the contract that you signed for the downpayment.