Help-
I filed Feb 2007 in order to save home from foreclosure. Lender would not return fone calls; sold mortgage to another lender, etc. Falling behind was my fault. Bankruptcy was dismissed on Chap 13; I was told I should file Chap 7 as it would be more favorable to complete a 7 than leave a "dismissed 13 on the report". I have lost the home but continue to pay on the second mortgage. The second mortgage bank was never notfied of the foreclosure sale and has had no contact from first mortgage company-New Century/Carrington. Have only two small credit card debts and some medical, utilities, etc. Need a car loan desperately have good stable income. Want to rebuild credit. Have rental condo, paying on that mortgage. What should I do.