It's never too late to negotiate. While you may not find the student loan company or its collection agency very eager to cooperate, it's worth a try. Remember: they have all the leverage because 1) it's most likely federally guaranteed and nondischargeable in bankruptcy; 2) you're late; and 3) they know that if you have no ability to repay today, you will one day and they're not going anywhere.
Having said all that, something is better than nothing, and you are encouraged to get back in...
Yes, surrender the car now, and any deficiency balance you might still owe on it can be included in the bankruptcy.
I have an office local to you in the Antelope Valley and will give you a free consultation. Contact me and let's plan your bankruptcy the right way.
Motor homes are almost always encumbered with a secured debt. If you want to keep the motor home, you'll want to stay on time with the associated debt. So, there is very likely no chance you can file "bankruptcy to eliminate the loan."
There may be other reasons to file bankruptcy, however, depending on the other debts you may have.
Also note that in Chapter 13, it may be possible to "cram down" vehicle loans to the fair market value of the collateral, possibly saving you thousands of...
You are not given you notice of a bank levy for the exact reason you'd want it: if you knew, you'd clear the account out. Due process requires that you were supposed to have received notice of the lawsuit, of the hearing, and of the judgment. Each of those triggers gave you a heads-up that your money and assets weren't safe, and typically get people to a bankruptcy attorney's office.
If you received no notice at any stage of the litigation against you, perhaps you could set it aside or...
Without more information, it's hard to assess exactly what's going on. Yes, you can vacate dismissals and reinstated previously dismissed cases. However, just because it's possible doesn't mean you can, or that you should. If it was a mere clerical error based on the filing of a document, that would seem to be something that should not prejudice the debtor, or at least that'd be my rationale if I were the judge.
While you are very upset about your situation, it is most likely not a...
Three attorneys already answered your question the other place you posted it:
Tell the truth. And listen to your attorney.
It sounds like your attorney contracted for the fees for the Chapter 13 case. However, that is not an "all you can eat" for their legal services for the duration of the case. Certain additional tasks are billable, and converting the case to a 7 could be one of those tasks. Lawyers are allowed to bill for their time to do work above and beyond the "normal" services, whatever those may be in your jurisdiction.
Ask your lawyer, and/or review their retainer contract for details.
You are protected by the bankruptcy. However, if you "take the mortgage out to surrender it," the mortgage company will go around the bankruptcy protection to get its house back. And then the difference, if any, will be added to the bankruptcy as unsecured debt.
This new debt may throw your repayment plan out of whack, so adjustments will need to be made. Contact your attorney and let him/her know your intentions so they can file the appropriate documents.