If your payments were kept current under your Chapter 13 plan, you can probably continue to pay and be OK. But consult your lawyer before making any decisions!
The decision is up to the creditor-but the key thing is that they apparently have the right to do a repossession at any time now. I am sure there are lawyers who could fit you into their schedules to discuss re-filing. My own office has some openings during the current week.
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