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So does that mean I do not have any "recourse" as far as the attorney is concerned for not answering this question for me asked to him on numerous occasions in phone calls and emails? I did not know "where" to send the payments to since I had been making them to the trustee for so long and HSBC would not take my calls. The automated line would just say I had to contact my attorney since acct was in bankruptcy. There was also an arrearage that was accrued due to while making payments to the trustee that I also had to pay. In addition HSBC said IF the attorney had sent a letter of intent to pay I could have made payment arrangements, but he did not submit the letter of intent to pay. I think he sent it on the "incorrect" car because my husbands lein holder on his car got notification he was keeping it. Do I not have any recourse of action against the attorney that we paid a huge amount of money for not doing the "one" thing we asked...to take care of MY car in this proceeding?
My car would not have been repossessed it he had filed the "letter of intent", so since he did not it has caused us all this greif and a ruined credit report. Shouldn't he be responsible for something? Is there not someone I can report this to?
My last car payment to trustee was in April. I began making car payments DIRECT in June. Car was repo'd due to the 8 months that my husband was in Chapter 13 the trustee only makes "partial" payments, not the full payment, ( of which I was not aware )so this is the $1800.00 arrearage they claim I was behind on my car, so w/o any notification they came and got my car. I got it back after paying the "arrearage" impoudn fees etc, but shoudn't I have been "protected" since we were in Chapter 13 and now Chapter 7? If I had wanted my credit ruined, I could have filed for bankrupcy along with my husband. HSBC claims that it was because my attorney didn't file the "letter of intent" for me to keep the car and make arrangement on arrearage. So credit report shows the 8 mos were in Chapter 13 as late payments. This is a mess and I don't knwo what to do.