Bryan, TX Bankruptcy Law Firms & Lawyers

Since Chapter 13 means that you'll have a relationship with your attorney for the next five years, I'd recommend that you find a new attorney that is more responsive to your needs. It might not cost you anything, by failing to communicate with you (it's obviously BS that an email was sent that you didn't receive, there is no such thing as a lost email), didn't get your schedules filed on time and didn't fully and completely explain the schedules he wanted you to sign and didn't explain what will happen in a Chapter 13 - he's violated the requirements of a bankruptcy attorney. I recommend that you tell him that you're going to get a new attorney and demand that he refund everything that he paid you. When you ask for a refund, tell him that if you don't have your money back today, you'll file a complaint with the US Trustee's office. The US Trustee's office is responsible for policing bankruptcy attorneys and he knows (or at least every competent attorney knows) that he's screwed this up and the US Trustee will force him to repay your fees and possibly cause him additional problems.

Provided you can afford to make the payments and your equity, assuming there is any, in the car fits into one or more of 3 possible exemptions (depending on other facts) you can continue to pay & keep. There may be options such as: redemption, reaffirmation and surrender. Which one makes sense will depend on other facts not disclosed. Please don't rely on answers here in making a decision whether to file for bankruptcy. Even with the information you provided there are other considerations such as income & living expenses, perhaps there are some other assets you haven't even thought as assets, how much in medical debt you have & whether there may be a way to settle the medical debt outside of bankruptcy, etc. and other things to think about in figuring out whether filing bankruptcy makes sense for you and what results you can expect.