You can file for bankruptcy on your own however, I do advise you at least speak with an attorney to understand and know your exemptions if not the trustee can take any assets you have. An attorney can also prepare you and represent you for the questions they will ask in court. There are Free legal...Read more »
that could potentially affect my credit. Both parents died in 2017 with NO wills. They both have massive amounts of medical debt and there is a mortgage on the home. I'd prefer not to move from the home and am named as an heir by the mortgage company (and named resident) and am contemplating... Read more »
You can just pay the mortgage. The bank does not care where the cash come from. As to the debts, you are not liable personally. If the debt exceeds the asset value of the estate, there is no benefit to an estate.
No, you do not have to lose your home. In fact by filing a Complex Chapter 13 Bankruptcy and seeking a mortgage loan modification through the Bankruptcy Court's mortgage modification. You need to retain an experienced mortgage foreclosure defense and bankruptcy attorney, who has a proven track...Read more »
I have been in chapter 13 for more then a yr. due to a death of a spouse and the loss of a job. I found another great paying job and went to court and the lender said, I could start paying my mortgage & back arrears again and the judge & trustee agreed, but the lender made me sign a paper... Read more »
You need to have an in person consultation with an attorney who is actually and experienced mortgage foreclosure defense and bankruptcy attorney, who is familiar and knows how to utilize the Bankruptcy Court's mortgage modification program. But unless you can obtain employment or start a...Read more »
I have been in bankruptcy chapter 13 since February 2018. I pay the trustee On time and is up to date I pay my insurance homeowners on time and all my bill.so why is the mortgage company trying to lift the automatic stay
Yes, it certain can, after the creditor gets a Judgment against you. To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation with an experienced bankruptcy attorney.
My home was sold to Third Party at Sheriff Sale. He picked up the Deed and Title. How do I get him to record the Deed. I no longer own the home but he just keeps saying he will record the deed and title but has not. He has changed the locks and moved into the home.
Yes you will be able to file for Bankruptcy, your income is not a problem at all. Do not let geographic restrictions get in the way of retaining the best attorney. Pick the best attorney you can find and remember one rule: a good attorney is generally never cheap, and a cheap attorney is generally...Read more »
I have been in Chapter 13 for over a year, I have a new much paying job and I am now paying my mortgage and back arrears without missing or being late on payments. I am talking with the court to let me refinance my mortgage with another lender. The Mortgage broker has told me that my credit score... Read more »
If you don't already have an experienced Chapter 13 attorney, then you need to get one. This is not the way to handle your case. You are NOT likely to get a refinance while in Bankruptcy and if the mortgage broker you spoke to told you that, then they are clueless or have some nefarious...Read more »
We filed a chapter 7 bankruptcy in 2013, not including our manufactured home loan (just credit cards). And after that we were put into a charged off status with the bank for the home. We were never told by the lawyer what this means and are still unsure but have made payments every month besides... Read more »
Your situation requires an in person consultation with an experienced bankruptcy attorney and a review of your petition and all documents related to your bankruptcy. The fact that your credit report says something is charged off, is of no legal significance. Do not let geographic restrictions get...Read more »
I recently went through a bankruptcy in which I included my home, and subsequently a foreclosure (in NJ). I remained in the home during this whole process and paid the propane supplier monthly, as I needed the fuel to live there. When I left the home the tank contained 60% fuel. I'm willing to... Read more »
I am in chapter 13 bankruptcy and my lawyer worked out a repayment plan for my back arrears while I keep paying my mortgage. I have been in the repayment plan for a year now and haven't missed or been late with a payment. I made a list up of all my bills that I have to pay. The Lender, Trustee... Read more »
My wife passed away and took half of our income when she passed. I filed for Chapter 13 to save my home. I found a great paying job and got back on track and have been paying my mortgage & back arrears on time for the last year. I have my credit score up to around 630. I tried to find a lender... Read more »
You would need the Trustee and Court's permission to refinance the house will in Chapter 13 Bankruptcy. Hopefully you are represented by an experienced Bankruptcy attorney, otherwise you need to retain one.
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