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I Can’t Afford to Keep Up With My Bankruptcy Chapter 13 Payment. – Tomasa

“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”

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.

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Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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