Cape May, NJ asked in Bankruptcy for New Jersey

Q: I have a conventional mortgage and have been in Chapter 13 bankruptcy .

I have a conventional mortgage and have been in Chapter 13 bankruptcy for 4 years and have not missed or been late on a mortgage payment or a Trustee payment. Can I refinance my mortgage now before the 5 years are up ? Or will I have a problem since it’s a conventional mortgage ?

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1 Lawyer Answer
Leonard R. Boyer
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  • Bankruptcy Lawyer
  • Clifton, NJ
  • Licensed in New Jersey

A: If you are not represented by counsel you are making a grave mistake. If you are represented by counsel then the attorney may have some explaining to do. This situation makes no sense if you are represented by counsel. If you are represented by counsel you need to direct all your questions to your attorney.

Timothy Denison agrees with this answer

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