another pre-bk foreclosure question

[pambysue]

Hello all
I was wondering.. if my house is in the foreclosure process in NY state , which I know is a long process state, and I have already moved out of the house and the foreclosure sale hasn't happened by the time I file ch 7 bk, can I still include all of the debt involved (any deficiency amount, back property taxes etc) to have them wiped out in the chap 7 even though foreclosure has started before I could file and 'surrender'? What would happen if the foreclosure sale/tax sale occured BEFORE I filed (which I don't think will happen that fast..but, who knows)? I just want to try and have my ducks in a row for when I file the end of next month.
Thanks!

[BK'd-Betty]

Pambysue - your BK filing will take care of all you mentioned - in either scenario. Try to stop worrying so much and enjoy your holidays!!!!

Hello all
I was wondering.. if my house is in the foreclosure process in NY state , which I know is a long process state, and I have already moved out of the house and the foreclosure sale hasn't happened by the time I file ch 7 bk, can I still include all of the debt involved (any deficiency amount, back property taxes etc) to have them wiped out in the chap 7 even though foreclosure has started before I could file and 'surrender'? What would happen if the foreclosure sale/tax sale occured BEFORE I filed (which I don't think will happen that fast..but, who knows)? I just want to try and have my ducks in a row for when I file the end of next month.
Thanks!

[pambysue]

thankyou Betty..lol..I guess I am really agonizing over everything WAY too much! And..as if the holidays weren't going to be depressing enough, I was told today that they need me to work on Christmas!! I can't believe they would ask the ONE person who is a single parent, who's grandchildren are coming for the day, to work. Oh well..I guess all of this will make me a much stronger person
Have a Blessed holiday and thankyou again for the re-assurance!

[BK'd-Betty]

No problem Pambysue! I totally understand - when I was going through my BK and made the decision to let the foreclosure go forward, my mind was swirling 24/7 with questions! I was driving every one crazy! LOL

If it helps at all, I can tell you that I was served in 2006 in NY State and it took FIVE months - to the day - before a Judge even signed an order allowing the Lender to foreclose - an another 2 months for a Referee to be asigned - 7 months total - then another 2-3 months to sale date (which hasn't even happened yet).

thankyou Betty..lol..I guess I am really agonizing over everything WAY too much! And..as if the holidays weren't going to be depressing enough, I was told today that they need me to work on Christmas!! I can't believe they would ask the ONE person who is a single parent, who's grandchildren are coming for the day, to work. Oh well..I guess all of this will make me a much stronger person
Have a Blessed holiday and thankyou again for the re-assurance!