I filed Chapter 7 bankruptcy 18 months ago. There were $23000 in monies however that they would not allow in the bankruptcy. I have only been able to raise $5000 of this. I just received a letter saying that I am in default of the bankruptcy, and I am responsible for the $23000. What does that mean? Should I contact the trustee attorney and try to set up a payment plan for the balance? I can afford $1000 per month. I tried to get a loan everywhere in the world, but no one will give you a loan while in the process of a bankruptcy. Another dumb question, can I get a bond to pay for this, so that the legal weight is off of me, and repay the bond? I'm sorry my attorney will not return my calls.