Question about claim

[bkrelief22]

I'll try to be brief...we're 10 months into ch13. One debt was a $1500. loan taken against a mimimal life insurance policy( they didn't file a claim). Yesterday I received a bill for the yearly premium and it also included the interest on the loan. The premium is only $57., the interest is $176.

Shouldn't the loan be wiped out? Are they just trying to see if I'll pay it? Can I pay the premium or should I ignore the whole thing? My lawyer is very difficult to get hold of,,,thus the ?? to you guys.

Thanks so much!
BK22

[DSIG]

If you included the debt in your bk filing and the creditor did not file a claim, well, then they dont get a piece of your payments. You can ask your bk attorney to send them a letter stating they cannot collect on this debt due to the automatic stay from your filing and also point out that they did not file a claim with the court before the deadline, if this is the case. OR, you can do this and send them redacted copies of your court papers and your case number.

[rrockinggramma]

by not paying this does it cancel out your insurance? If so you might want to get some term life insurance and let this one cancel out