I am been paying on time chapter 13 bankrupctcy for the past 4 years. I ran into some tough times these last few months and haven't been paying consistently. I just received a default notice from the trustee. I question I wanted to know is what action or actions do I take from here. I would love to lower my payment and get completely out of the chapter 13.

After 4 years are you not almost paid? Next why are you having trouble paying the last few months, what is your tough time, If you lost a job or lowered your pay, you can ask for the monthly payment to be reduced. If not you need to pay this first before you do other bills