My question involves bankruptcy in the state of: Connecticut

We did our own Chapter 7 case in Connecticut, and we received a discharge when we had a continuance by the court to satisfy a requirement they now deem satisfied. In other words, we thought we had another 2 weeks to file our motions to avoid judgement liens, and then suddenly the case was discharged.

We were considering filing chapter 13 anyway, to get a payment plan for a student loan, a utility bill, and one-month-lateness on our mortgage.

We've never gotten a single phone call or letter about the $9K TERI student loan since it defaulted. Credit report simply says "turned over to government for collection." -- So... we're wondering if a payment plan directly with the gov. is possible, or whether our upcoming tax return will simply be garnished without notice. ....Is Chapter 13 wise in this case? The mortgage and utility bill we can probably pay off pretty quickly, so it's all about this gov. loan.

(We're self-employed.... and have not gotten any notices about garnishment...)

ALSO, I'm wondering if we're allowed to file motions to avoid liens in a new Chapter 13 case, when the debts related to those liens were discharged in our CHapter 7 case.

In other words, to make sure we get our tax return money and avoidance of liens (medical bills), is our best bet to file to reopen the ch. 7 case, or to file the ch. 13 case right now? (What's best for right now, regardless of whether we file 13 later on....)

THANK YOU!