Sunday, July 12, 2009

What are my choices after Chapter 13 was dismissed due to non- payment, b/c of job loss? No secured debt left.

Can I refile? Can I file ch. 7? I still have $20k in medical debt and am supporting 3 children. I still owe my attorney $1,200.00, (b/c of his negligence!) and he won't see me unless I have cash in hand. I am in dire need of help, I lost my car after the dismissal, and now I have to beg rides to get to my new job, and people aren't exactly lining up to loan me money for even an old clunker with a dismissal. I have been rejected by everyone, even though I make good money now. Any help would be greatly appreciated.

What are my choices after Chapter 13 was dismissed due to non- payment, b/c of job loss? No secured debt left.
The attorney did you a disservice. He should have filed to have the case converted to a 7 if you could, at that point. I would consult another attorney on this, but...the downside is that they may charge you a large retainer, but try to work out a payment plan if your income is better now. Good luck.
Reply:Yes u can Refile under Chapter 7 - call an attorney my best friends husband did it. Do it soon though you only have a certain amount of time I think. You do know there are people who will give you a loan for a car you will just pay a very high interest rate but u will be on the road to rebuilding your credit.
Reply:GO 7 you makeing good money now buy you a car gm is just about giveing them away


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