I am going to try and describe this situation the best that I can, so please bear with me. Let me know if I need to clear anything up and please feel free to answer any questions!
So this is the situation: I am 24 years old, live in Jacksonville, FL, and I got into some things I shouldn't have over the past 4 years. I got back on track in October of 2017, but not without racking up some crazy debt, losing my job, and just putting myself into a situation that I never dreamed I would be in. One of the debts I owed was to a credit card for $14k+ - I was paying on it until the payment jumped from $150 to $400 and there was absolutely no way I could afford that. I called them and tried to work something out, but I got nowhere. Eventually, my account was closed and then a lawsuit was filed against me on 2/14/2018, a summons was presented, and the hearing was set for 6/21/2018.
I'm not going to lie, that absolutely freaked me out! Anyways, I decided to go along the path of filing bankruptcy because I not only had that debt, but a few others, plus a car that I should have never got that costed me a pretty penny. So I found a lawyer, paid him his fee, and he filed chapter 7 bankruptcy on my behalf on 5/31/2018.
The reason I am posting this is because I just received a letter from the credit card's lawyer titled 'Plaintiff's Notice of Voluntary Dismissal without Prejudice'. I did a bit of research and I see that, because it states 'without prejudice', they can open the case back up at a later date.
Can the credit card company refile the lawsuit against me? The main reason I filed for bankruptcy was because of that lawsuit so I'm happy that they dropped it, but I am worried that they can suddenly file it again after the entire bankruptcy process has completed. Is that possible?
Side note: I am asking my lawyer this same question but I figured it wouldn't hurt to get other's answers, as well! Just in case!
Thanks for taking the time to read and extra thanks to anyone that helps me out! Also, sorry if my title or this post was worded poorly.
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