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help why chat


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Posted by malibu (207.222.76.164) on January 26, 2003 at 09:48:53:

I have been reading for a couple of months on this board and have not found anyone that fits the same thing I am going through.
I filed a ch.7 in 4/02 and got the discharge in 9/02. Three weeks after the discharge I got a letter from the court telling me that they discharged my case in error that they dismissed it b/c of excess income? So my lawyer said I had to go a ch 13 so he filed that in 10/02 then I decided I did not want to go that route so I had it dismissed 11/.
So my question is this how can I fix this mess. On my credit reports the two cc say charge off/included in BK. no balance. My car that was included in BK 7 /was repo in never heard from them again about the sale or anything and on the credit report it says included in BK. I have a unsec loan that was included in the dismissed BKs that says C/O.
In the public record it just shows the BK7 and the discharge date (although it wasnt discharged).
What is going to happen with these accounts? My lawyer seems to think that the cc companies probobly wrote it off as a BK and will leave it be Possibly? Does anyone have any advise on cleaning up this mess? I really don't want to wake the beasts up on the cc. but the unsec. loan I need to do something with because the TR says C/O (not inc in BK)
any help appreciated. sorry about the long post.
thanks




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