House payments re-aff question.

[screwedupbyRE]

hi there!

we met another attorney today and was surprised to know that we'll have to re-affirm our house payments in our payment plan. And it's the law / required by trustee in the area I live (She calls is the 'east district law').

Is that true? Isn't it a nationwide law/policy to make a selection either to re-affirm or not re-aff house payments?

My budget plan went up from $275 to $4500. And don't want to commit myself to this hefty payment. Though I don't mind it if it is outside the payment plan.

pls share some knowledge.

[liz417]

hi there!

we met another attorney today and was surprised to know that we'll have to re-affirm our house payments in our payment plan. And it's the law / required by trustee in the area I live (She calls is the 'east district law').

Is that true? Isn't it a nationwide law/policy to make a selection either to re-affirm or not re-aff house payments?

My budget plan went up from $275 to $4500. And don't want to commit myself to this hefty payment. Though I don't mind it if it is outside the payment plan.

pls share some knowledge.

Hi there,
Wow, that's a hefty payment, how much is your mortgage outside the plan? I don't have any advice (I'm sure someone with more knowlege will come along soon), but I *thought* that a mortgage and/or a car(s) could be paid outside the plan if you kept the payments current. I know the trustee gets a % of the payment, so maybe that's why they *want* it inside the plan.