I received a statement of claim from my creditor on Nov 14, 2010, I filed a Chapter 13 bankruptcy in April 2007. I lost my job in February 2009, I statrt receiving unemployment benefits in April 2009, My unemployments benefits was depleted in July 2010. I do not have any income. so therefore i could no longer pay on my Chapter 13 bankruptcy, It was dismiss in August of 2010. One of my Creditors is trying to collect on that claim. I have a statement of claim and i have 30 days to file my answer. I am a student. I been in college since November 2008. I been looking for employment since i lost my job. And i’m still unemployed.
How should i answer this claim, Can i potentially be sue and can the creditor collect money from me if i do not have any income. What should i do?
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