3 weeks until deadline

[trying2getby]

for claims to be filed, and my mortgage company still has not filed a claim.

What's up with that???

How do I get them to do so?

My understanding is if they don't file a claim, they will get no money. (mortgage to be paid inside the Ch13)

[AngelinaCatHub]

With or without a claim, they own your mortgage. You cannot get a free house if they do not claim. Best advice of course is your lawyer, but I hate that answer. Contact them and level with them and if you can, get an agreement to work out a lower payment. Sorry I can do no more than this. 'Hub

[optimistic1]

It depends on whether or not you are behind on your payments. The you need to pay them inside the Ch. 13 the arrears. This would then allow you to make up what is past due, and not get a foreclosure.

If your current, they wouldn't file a claim I suppose, because you are paying outside the plan, and your not behind.

Like Hub said, you can't get a free house. You need to pay them one way or the other. If you have a 30 year mortgage and say 20 months left, and your plan is 5 years, it makes no sense for you to pay them in the plan while your in the plan.

[lrprn]

Never fear. Three weeks in the bankruptcy world is an eternity. Chances are your mortgage company will file a claim before the 90-day period for creditors to file claims in Ch 13 ends.

[NowImDownInIt]

Your trustee will contact them if they have not filed claim by the bar date. They will get a letter that states that no funds will be distributed to them until they file their claim, but as it is a secured debt, you WILL pay them... this happened with my car. My financing company did not file a claim until after the bar date and my trustee sent them a letter to that effect and CC'd me and my attorney.