For dismissed Chapter 13 filers

Your case was dismissed. Your protection ended with it.

A dismissal removes the automatic stay that was holding back your mortgage servicer, car lender and every collector on your plan. Most people have a narrow window — often days, not months — to get counsel in place before a foreclosure sale, repossession or garnishment moves forward.

Low or no money down is normal

In a Chapter 13 re-filing, attorneys typically roll their legal fees into your monthly payment to the trustee. That means many filers get back under court protection with little or nothing out of pocket up front — what matters most is whether you have steady income to support a monthly plan payment.

Request attorney help

Free to submit. No obligation. Your details stay private until counsel takes your case.

First name

Last name

Mobile phone

Email address

Bankruptcy state

Bankruptcy district

What is your primary goal right now?

Stop foreclosure / save my houseStop a vehicle repossessionStop wage garnishment and bill collectorsKeep my assets and clean up a dismissed case

Do you have a steady, reliable source of income to support a monthly payment?

Yes — job, business, or Social SecurityNo current income

I confirm my case was dismissed and I voluntarily agree to be contacted by bankruptcy counsel who may offer paid services.

What happens after a dismissal

What creditors can do the week your case closes.

The automatic stay is gone

The moment your case is dismissed, the federal shield that stopped creditors disappears. Collection calls, lawsuits and judgments can restart immediately.

Foreclosure resumes

Mortgage servicers can re-notice a sale in days. Arrears that were being cured through the plan become due all at once.

Repossession and garnishment

Vehicle lenders can repossess without warning, and wage garnishments and bank levies can be reinstated by creditors who were previously frozen.

Refiling gets harder over time

Repeat filings can face limited or no automatic stay unless counsel files the right motions promptly. Timing matters more than anything else right now.