tinkerbelletx
Junior Member
Texas/ I was in a Chap 13 plan for about a year until the car included in the plan was stolen. The car was recovered, but was damaged so badly my insurance company totalled it. They paid about a third of what was owed on it. Under advisement of my attorney's office, I stopped making the monthly plan payments in order to save for the fee to conver to a Chap 7. When it came time to do the conversion, I was informed by the attorney's office that the fee had been raised. I had no way to get the amount needed to do the conversion and this was a week before my scheduled dismissal date. My Chap 13 was dismissed. I understand I have to wait 6 months before I can file another bankruptcy. Except for the car, all other debt was unsecured and was primarily medical bills. However, I am now getting monthly statements for the balance of the loan for the car I no longer have. I am unable to pay this since I am now making payments on a replacement vehicle. What do I need to do until I can file again? Do I ignore the notices? Do I attempt to make any sort of payment, no matter how small? I do not intend to return to the attorney's office I was using because most of the time I dealt with only paralegals and never knew who I was going to see on any of my appointments; no one there ever seemed familiar with my case. Any guidance is appreciated.