Due to my unemployment, I have been unable to keep up my trustee payments so my 13 is being dismissed.

If I refile as a 7 will my mortgage be protected or will it have to be included. Also, I owe $350 on our vehicle. What will happen with it.

I live in Texas and the 13 was filed in 9-05, before the bankruptcy law changes came into effect. Will my refiling be subject to the new rules?