I'm currently on my third year of ch13. My report shows two open accounts. One auto repo and the other a cc charged off. Plus i have a judgement showing up on my report. I just have some questions and hope someone can answer them.
1. The repo account is still open showing a balance. It's filed under the ch13 but the creditor status is on hold. Should i dispute this or call and close the account? Shouldn't it have been closed when filing the ch13?
2. A cc account still open but charged off. It's filed also but the status is "not filed." Should i dispute this or close account? If i decide to pay it off would i still be able to use the card?
3. Last thing is a judgement from an attorney's office. It's status is "not filed." Should i dispute this or write them a letter? It's included in the bk and still showing up on my report and hurting my score.
Please, any help with any of these questions would be a great help to my family and I. God bless.