Ch. 13 Regrets or Tough Things You Didn’t Expect

I’m trying to think about the rough things we need to consider that maybe we aren’t aware of re: filling chapter 13. In your experience while in the 13, what things made you pause and go “crap, I am screwed” or “I wish I didn’t file”? Any regrets? The number of dismissals is high so I’m sending why there is such a big failure rate with 13. Give me the bad and ugly.

Also-where can you get a secure card to build up credit? We haven’t used our credit cards in months so I’m not even worried about losing access to those but.. how do we rebuild? How soon can you get a car after filing and what was your interest rate? We may need a car soon but idk if we should get one now or just wait until after we file. Hoping to file in next month or so.