cancel
Showing results for 
Search instead for 
Did you mean: 

Dismissed Chapter 13 help

ceezo
New Member

Dismissed Chapter 13 help

Hi,

I have about 45k in cc debt, all accounts were closed as I filed for Chapter 13. My 13 got dismissed before it got discharged - it was about a 3 month process. What is going to happen now, wondering if all my cards will go to collections or charge off. should I try and make arrangements? Credit score is already in the tubes..

Thanks

Message 1 of 6
5 REPLIES 5
ImTheDevil
Community Leader
Super Contributor

Re: Dismissed Chapter 13 help

Why was it dismissed?


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 2 of 6
Cloudburst2000
Frequent Contributor

Re: Dismissed Chapter 13 help

If the debts are still with original creditors, you can try to call them and set up payment plans.  If you have large amounts owed with certain creditors, understand that they make take you to court to try and collect their money (wage garnishments, etc).  Often, if you try to make arrangements with them, they will try to work with you.  They may even be willing to settle for a smaller amount then what you actually owe.  They would rather get some money back from you than nothing at all.

Message 3 of 6
Morpho
Valued Contributor

Re: Dismissed Chapter 13 help

I'm guessing you filed "pro se". A really high percentage of pro se bankruptcies are dismissed and filing 13 pro se almost guarantees it because there is so much follow up you have to do with 13 that it requires almost daily emails, letters to creditors the court and trustees.

 

Even a dismissed BK stays on your credit report. Since you are stuck with it you might as well try to get the benefits. Meet with a lawyer (a different one if you have one already). Try to re-file asap (this is allowed). You are in the worse of two situations. Your credit is hit with a boat anchor and you still owe the money. Good luck.

 

Message 4 of 6
Mcx990
Established Member

Re: Dismissed Chapter 13 help

I had a Ch. 13 dismissed in 12/2016 because I could not keep up with mortgage payments plus debt payments. I just checked my Experian,  of 11 accounts IIB only 3 went to collections. 2 others report "closed, derogatory". The rest report "closed, current $0 balance" I guess those just gave up or don't care.

Message 5 of 6
Cloudburst2000
Frequent Contributor

Re: Dismissed Chapter 13 help

Or those collections agencies for the ones marked 'closed, current $0 balance' just haven't contacted you yet.  You may still have a collection show up out the blue one of these days for those 'closed' accounts.  I wouldn't totally write them off as forgiven debts yet.

Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.