For filers whose Chapter 13 case was dismissed
Your Chapter 13 was dismissed. Your protection ended the same day.
The moment a Chapter 13 case is dismissed, the automatic stay disappears. Foreclosure sales, vehicle repossession, wage garnishment, and bank levies can restart within days. Bankruptcy Butler connects you with a bankruptcy attorney in your court district who can move quickly to reinstate, refile, or protect what you still have.
What you're facing right now
Dismissal is not the end of your options, but it is a deadline. Pick what is threatening you first and reach an attorney in your bankruptcy court district who handles that exact problem.
Motion to vacate or reinstate a dismissed case
An attorney reviews the dismissal order and, where grounds exist, files a motion to vacate the dismissal or reinstate your Chapter 13 case so your plan and the automatic stay are restored.
Stop a foreclosure sale after dismissal
Once your case is dismissed, the automatic stay is gone and the lender can proceed to sale. An attorney moves fast to restore protection or refile before the sale date.
Stop vehicle repossession after dismissal
Auto lenders often repossess within days of a Chapter 13 dismissal. An attorney works to restore the stay, negotiate with the lender, or recover a vehicle already taken.
Stop wage garnishment and creditor collection
Dismissal reopens garnishments, bank levies, and collection suits. An attorney addresses the garnishment and gets you back under bankruptcy protection.
Refile a new Chapter 13 case
When reinstatement is not available, an attorney files a new Chapter 13 case with a confirmable plan and, where required, a motion to extend or impose the automatic stay.
Day one
the automatic stay ends — creditors can resume collection immediately after dismissal
Foreclosure
sales, repossessions, and garnishments often restart within days of a Chapter 13 dismissal
Act now
reinstatement and refiling options narrow the longer you wait after the dismissal order
Ready to have an attorney reach out?
Tell us how to reach you and where your Chapter 13 case was filed. With your approval, a bankruptcy attorney in your district can contact you about reinstating or refiling.