Cedar Park, TX Bankruptcy Law Firms & Lawyers

Write a letter to your bankruptcy Judge that the attorney you paid to do your 13 will not talk to you or process your case. He will wish he never heard of you but I am sure the Judge will get on him or her and make them do their job or face Court sanctions. It sounds like your plan has not yet been confirmed. If your case gets dismissed before it is confirmed, the chapter 13 trustee will probably send the money to your attorney. The procedure for this varies from one Bankruptcy Court to the next. Call your chapter 13 trustee. First tell the chapter 13 trustee that your attorney refuses to do work on your case. Then ask the chapter 13 trustee what happens to your money if dismissed after confirmation. They know it is your money, so you may be able to get it sent to you. If you didn't pay much to start, your attorney who won't work for you will probably just take the money and claim he earned it. After your plan is confirmed, the chapter 13 trustee will disburse the money. Most will probably go to your present attorney for fees initially.

A Bankruptcy will stay on the credit report for 10 years. I don't know of any way to make it go away sooner. However, the impact of the bankruptcy on your credit score will lessen with time. Many lenders are willing to give prospective home borrower a mortgage loan, provided of course they qualify in other respects, 3 years after bankruptcy. Some lenders may even do it sooner if there were extenuating circumstances that lead to the bankruptcy, for example: large medical debts.

Thank you Mark.  Exactly.  You need to speak with several lawyers, most have free first consultations. If you don't have the attorney fees, that does not mean you cannot afford to file.