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Mortgage Escrow for Taxes?

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    Mortgage Escrow for Taxes?

    Hi,
    When I filed, I owed two years of property taxes, which were a claim.
    But the bank that holds my mortgage paid the taxes, making their claim much higher than just the missed payments would have made it. Not that it matters -- the taxes are paid, so that is a good thing.

    My attorney said they will probably make me do an escrow account for current / future taxes. Which, that's reasonable, I guess. But that they couldn't contact me directly because of the rules of bankruptcy. The bank, he said, would contact him, and then he would pass it on to me.

    But this week, I got my property tax bill like always!

    The first installment is due Feb 10. I will have to pay it. It's some $800+ dollars, which I knew it would be.

    What about the escrow, though? My worry is, I'll pay the tax payment, THEN my mortgage payment will get bumped up to cover the escrow for the taxes. Then what?

    Anyone with any insight?

    Thanks.

    #2
    It is not a requirement that the bank escrow the property taxes.

    It is not uncommon for a mortage service provider to stop escrowing property taxes and turn that responsibility over to the debtor.

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