I filed chapter 13 in Dec. 2004 and had it dismissed in June 2006. I am being sued by a creditor who repossessed my vehicle after the dismissal. Their attorney told me that because my case was dismissed and not discharged that I am liable for the remaining balance. What happened to the money I paid into the chapter 13? The statue of limitations in my state is 3 years for open contracts, does this fall under that category? What should I do???
