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

Published by admin on April 12, 2010

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.

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.