My Chapter 13 Bankruptcy Was Dismissed. Wells Fargo is Suing Me. What Now? – Gina

“Dear Steve,

I am being sued by Wells Fargo Attorney for a credit card debit, I’ve attempted by letter to attorney to state my circumstances and that I was willing to pay 33% of the bill in full, however they still proceeded to file. What should I do at this point. I’m willing to pay some of it but I can’t afford all of it. How long does it take to go to court after filed?

I was in Bankrupsy 13 from nov 10- April 12. Dismissed it because it was still to unaffordable, creditors are coming back. I don’t believe I owe interest on account while in Bankrupsty which they are attempting to collect also.

Basically what are my options at this point?


Dear Gina,

It is my understanding that if your chapter 13 bankruptcy was dismissed that you could file a chapter 7 bankruptcy after 180 days since the dismissal.

You might just want to talk to a local bankruptcy attorney and see if a chapter 7 bankruptcy is right for you.

The lender has no obligation to settle or negotiate so if your attempts to work out something that is mutually satisfactory fail, then click here to find a local bankruptcy attorney.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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