I have a leased vehicle through Ford Motor Credit (Lincoln) and am in Cpt 13. My lease is paid directly to them, and not through the court. And I have never been late, either before or after the Bankruptcy filing. My lease will terminate before the end of the plan. I wish to buy the car at the residual price , which is near the $25K ceiling. Would Ford Motor credit make me a loan under these circumstances, given that I have been with them for 3 years?