I was in Chapter 13 bankruptcy for about a year and a half. The payments were almost $1000/month. The payments were so high that my mortgage became delinquent three times, resulting in foreclosure. I asked on all three occasions for help from my attorney--either in reducing payments (I was only $27,000 in debt or communicating with the mortgage company to help avoid the foreclosure.) Instead, my attorney ignored emails and did not return phone calls as I was begging for help in keeping my home. I even went to her office several times and was told she wasn't there. Frustrated, depressed and broke, I gave up and relinquished possession of my home to the foreclosing mortgage company. My bankruptcy case has since been dismissed but I still owe debt from my second mortgage and a car which I still have possession of. My questions are multiple:
1. Do I now convert to chapter 7 which is my desire or do I start over and file Chapter 7?
2. Can I hire a different attorney because of my attorney's negligence?
3. Can I include debt incurred after the filing of the original Chapter 13? (i.e. my old attorney's many fees?)
4. Will I more than likely have to give back my car?
Please help!!

