“Dear Steve,
ON JAN 2001 I FILE CHAPTER 13 AND I STARTED MAKING MAKING ON IT ON FEB 2011. ON NOV 2011 I HAVE TO QUITE MY JOB BECAUSE OF MEDICAL REASONS. SO I CALL THE BANKRUPTCY OFFICE AND THEY TOLD ME THAT THEY WOULD WORK WITH ME, SO THEY TOLD ME THAT THEY WOULD ADD TWO MONTHS WHICH WAS NOV AND DEC AND THAT I NEED TO SEND A MAKE FOR FEB AND MAR 2012. SO I WENT AND I SEND THAT PAYMENT. WHEN I GOT A LETTER THAT MY CASE WAS GETTING DISMISS I CALL THE OFFICE AGAIN AND THEY TOLD MY THAT I NEEDED TO SEND APRILS PAYMENT ON THE 23RD. AND THAT IF I DID THAT EVERYTHING WOULD BE OK. BUT ON APRIL 25 THE DEALERSHIP CAME AND PICK UP MY CAR. ALL THIS TIME THEY NEVER TOLD ME THAT MY CASE WAS ALREADY DISMISS ON THE MARCH 20.
MY QUESTION IS CAN THEY STILL COLLECT ON THIS PAYMENTS IF MY CASE WAS ALREADY DISMISS?
Tomasa”
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Dear Tomasa,
You should contact your bankruptcy attorney, not the trustee office, and discuss this situation with them. It might be possible to convert your chapter 13 bankruptcy to a chapter 7 and discharge your debt now based on your change of circumstances.
Do not delay, contact your local bankruptcy attorney you used to file your bankruptcy, right now.
Please post your responses and follow-up messages to me on this in the comments section below.
Facing a Similar Situation? You’re not alone — and you have more options than you think. Start with the all your debt relief options page to see what’s realistic, or take the 2-minute bankruptcy quiz if the debt feels unmanageable. Federal Reserve research shows filers recover faster than those who don’t file. If a company is involved, run them through the Scam-O-Meter first.
