Filed a Skeletal 13…..auto loan auto-debit cancelled

[inOverMy]

So I was here 6 months ago and we are finally filing! My attorney wanted us to get a truck, since we had >250k miles on my husband’s truck and use our expected 2024 tax refund on appropriate expenses before filing. We stopped paying our loans and credit cards upon advice from attorney in mid Nov/Dec 2024. Lawsuit from one aggressive loan creditor (BHG) filed in May and served May 7. Was supposed to file 5/30/2025 by my attorney did not have everything together, so she filed a skeletal Chapter 13. We go back in 5 days to file the real deal. Scared but ready to get this show on the road!!

This morning the new truck loan holder cancelled my auto debit payment, which makes sense as it will be paid by the trustee (60-month loan, fits in the 60 month plan). The next payment is due 6/14. I don’t want to miss a single payment because we need this vehicle. The 314 meeting would not likely have happened by the 14th. Shall I send a check? I don’t have online access anymore to pay online.

We are still scared, of course. In perfect timing, our central air conditioning went out the day we filed the skeletal. It’s VERY hot here in N. Cal (currently triple digits) and we will not have 15k $ or credit to replace it. We bought a couple of portable units from Costco and borrowed a couple of others. Is this a sign of things to come? So scary

[Carmella]

When you say the attorney filed a skeletal Chapter 13 does that mean it's filed and there is stay on debt collection/that no one can demand you make payments or seek action against you?

If the stay is in place then you wouldn't have to worry about it.

Call your attorney's office and ask if you should make a payment or not that's the way to get the best answer. You probably don't need to talk to the attorney just tell whoever answers the phone what your question is and see if they can answer or call you back with the answer.

Yes, the struggle is real. Having the portable a/c units while not the best option can get you through. BK is not the easy way out, but it's worth it in the long run. Sending good thoughts your way.