I filed bankruptcy a year ago and one of the creditor's demanded that I pay them back and I reaffirmed the dept by signing a new reaffirmation agreement which has to be approved by the court during bankruptcy to make sure you are able to afford the dept since the reason you are in bankruptcy is because you cannot afford to pay the dept. With that being stated, I acted as my own PRO SE (attorney) and now that my bankruptcy is over, which means its be discharged. I have been paying the dept to the demanding creditor on time and as agreed upon. One of the debts has been paid off and the creditor is refusing to release a car title, to which is one of the debt that is paid in full. I realized from checking an account that I had at Telcoe Federal Credit Union, they had posted an amount for fee's totaling $2700.00 to $2940.00. I called Telcoe and asked them why is this amount posted to my account and the CEO stated that i owe her attorney fee's and i stated to her, "No i do not" because you hired that attorney so you pay him and the bankruptcy court judge did not order me to pay your fee's. I took Telcoe to a small claims court in which that court moved it to a Civil Division because Telcoe retained an attorney to represent them, which that is understandable. I file suit to gain my car title. The lawyer Telcoe hired (Mr. Frederick Wetzel, III) was the same lawyer that represented my bankruptcy case as the trustee and the second lawyer (Mr. James F. Dowden) that came as a witness on their behalf was the main attorney that represented Telcoe in their bankruptcy case.in the new court i asked the judge to recuse the trustee attorney because of "Conflict of Interest" and the Judge denied my request. Now this judge is ordering me to pay their attorney fee's, in which i believe is totally wrong because this judge should not be able to undue a closed bankruptcy case. This Judge is not an experience bankruptcy judge. I feel my civil rights has been violated and breech of contract and prejudice. I will appeal this decision. This is like double jeopardy. The two lawyer's and judge is ripping me off by forcing me to pay their attorney's fee and Telcoe is still holding my car title to a car that i have paid off. The new agreements take place of the original agreements in which no attorney fee's where added nor discussed in these new agreements. I feel Telcoe should pay their own attorney fee's or acted as their own PRO SE as i did if they could not afford to pay for one.
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