i'm approaching 3 years in my bk 13 case and my car has been paid, my taxes are about 500 from being paid. I assume based on my past 3 years of tax refund which i have never heard anything from the irs after calling them on multiple occassions. since i have about 15 more months remaining in the case and the aforementioned claims are almost satisfied what happens with the remaining payments. i do have about 30 in credit card debe filed in the case but it shows 0% to be paid on the trustee statements. what happens next. on top of that, i have been reestablishing my credit since my case and now have 4 credit cards with about 1000 total due. i have been told you cannot have credit cards but if thats the case why do i continue to receive pre approved offers. what should i do?