What is a vacate the automatic stay
2 attorney answers
From what you have provided, i.e., "we have been paying bankruptcy for the past 5 years now", I gather that you're in chapter 13.
Generally, a motion to vacate the stay is a motion to remove the Court's protection from a piece of collateral you possess, so the creditor can proceed to enforce collection of the underlying debt securing the collateral.
What is unclear, are the circumstances surrounding this letter. Are you behind on a car payment? Did you recently surrender a car in bankruptcy?
These are all important considerations that change our answer and analysis.
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The automatic stay is a court order that forbids creditors from collecting their debts against a debtor or the debtor's property during a bankruptcy. It begins when a bankruptcy case is filed. If you got a letter about vacating the stay, maybe it means a creditor is trying to get the court's permission to resume collecting a debt, either from you or from your property. If you need further information, you should get a consult with a bankruptcy attorney in your area.
Disclaimer: As always, you get what you pay for. Be sure to talk to a qualified attorney in your area about your specific situation before you choose to rely on any information you get from internet discussion boards such as this one. I am a Michigan attorney and I do not give advice about state law other than Michigan law. If you live outside of Michigan the information presented here is based on federal law and general legal principles, and should not be construed as advice specific to your state's law.