Q: Chapter 13 and adding on fees !
I have been in Chapter 13 bankruptcy for four years and two months. I haven’t missed a payment on my mortgage or Trustee. My loan was for $210,000. My mortgage was sold and I received a letter saying that I owe $170,000 on my loan which has to be a mistake. Then they are saying, I owe $16,000 on lawyers fees. Can the $16,000 be added to the back end of the mortgage ? If not then I wasted my money and will have to sell my home. After I pay off the back arrears they are saying that I have to pay $3,300 a month on my mortgage. That’s more then my original payment. Which was $1,500 a month. Seems like someone screwed up to me and I am in a fog right now.
A: If you are 4 + years into your BK, please go.speak with your counsel.and have him review the POC and ask for a post petition payment history. That should get a good handle on the situation
Timothy Denison agrees with this answer
A: If you are represented by counsel, you must direct all your questions to your attorney. However, if you do not have counsel, you need to retain an attorney with extensive experience in both bankruptcy, mortgage loan modification, and various other Federal laws which are beyond the scope of this forum. With modern technology and the utilization of the same, geographic location is not a barrier.
Timothy Denison agrees with this answer
A: Consult (or hire) a bankruptcy attorney immediately to review your situation.
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