You have asked 3 questions which appear to be related. So I am only going to answer one of these questions to save you some time. While you were in Chapter 13, you were protected from creditor action. Now that your Chapter 13 no longer protects you, you are vulnerable. Your current financial situation will indicate whether you should file another chapter 13, whether you can now qualify to file Chapter 7, or whether you might be able to settle this or other debts for a lump sum of cash. Offering you an answer requires details that you cannot reasonably provide in an online forum.
Answered on Jan 25th, 2017 at 5:19 PM