Buda, TX Bankruptcy Law Firms & Lawyers

Don't take legal advice from your creditors.   That's rule #1.   If you file a bankruptcy case and receive a discharge, the discharge will include all debts that you owed on the date your bankruptcy case is filed.  So, if you incurred the debt you mentioned in May 2013 and file your Chapter 13 after that, the debt should be discharged unless it falls into one of the types of debts excepted from discharge. These exceptions include debts incurred through fraud, domestic support obligations, certain taxes and others.   As a final thought, if your lawyer is too busy to answer your questions, you may have picked the wrong attorney. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.  

You shouldn't have any problems. In my jurisdiction I would have filed a motion to have the judge rule the mortgage company waived any right to take adverse action (like failing to report your payments to a credit bureau, etc.) due to failure to execute a reaffirmation agreement because it was their fault none was ever filed. But don't worry it's still your house.

The fate of your vehicle would depend upon the amount of equity that you have in the vehicle. You do not indicate the car's value, so I cannot do the math for you, but in a great many instances a New York resident can exempt up to $16,000.00 equity in a vehicle, due to the generous federal wildcard exemption. You should contact experienced bankruptcy counsel to discuss this matter.