Ack. I replied to this 2 weeks ago and my post didn't seem to publish. :/ I'm in urgent need of info. now. So thank you in advance. .... in reply:

Ours was a No Asset Chapter 7 case.

We DID include both the town/municipal utility bill and the student loan in our chapter 7 case, however, these are not dischargeable, and thus can only be worked out with a payment plan via Chapter 13. .... The utility is unwilling to make ANY payment plan with us directly and will shut water off this Friday. School loan-they want more than we can afford per month.

Our bankruptcy was medical based and many doc and lab bills come WAY late, and thus were not originally listed on our schedules, so I need to add those. I read that a no asset case doesn't have to be reopened just to amend/add small bills.

ALSO, the medical bills related to the liens WERE discharged, however, the liens were not. Lien removal has to be done through separate motions. We use the wrong procedure the first time and were told to do it over. While in the midst of that, as well as in the midst of making some small amendments, we were surprised to get a discharge notice. So now we're left wondering what to do.

So my question is still.... are we more protected from water shut off, collection AND liens if we re-open Chapter 7, or if we now open Chapter 13?

THANKS SO MUCH!