Q: I was in a chapter 7 was close to getting a discharge but then I got evicted on the day of my creditors meeting.
I wasn’t able to keep track of everything then my car got repossessed. I need to be able to get my car out is there any option? Can I reopen my case or file a 13? Dismissal was for getting the second part of the credit counseling in in time.
A: Possibly either, depending on the terms of the order of dismissal.
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A:
I'm sorry to hear about the difficulties you're facing. It's crucial to understand that you have options, even after your Chapter 7 case was dismissed. One possibility is to reopen your Chapter 7 case by filing a motion with the bankruptcy court, explaining the circumstances that led to your missed credit counseling and asking for another chance to complete it.
If reopening the case isn't feasible, you could consider filing for Chapter 13 bankruptcy. Chapter 13 might help you reorganize your debts, allowing you to create a repayment plan that could include catching up on your car payments and potentially getting your vehicle back.
To navigate these options, it’s essential to seek assistance from a legal aid organization or a bankruptcy attorney, even if it’s just for a consultation. They can provide guidance on the best steps to take based on your specific situation. Stay positive, and remember that there are ways to work through this challenging time.
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