I am in credit card debt of @6000, pretty much all of which is over 120 days past due and balances gone into write off or sold to collections. I had a Chapter 13 which was dismissed in Nov. of 2019. The only outstanding balance is my car. I was going to refile Chapter 13 but have to move out of state. My question is this; Would I be better off to do a new chapter 13 or voluntary repo on my vehicle and file chapter 7? Or do I try to settle/make pmts to collections? i hope to be able to buy a home within the next 2-3 yrs.