I received the reaffirmation papers for our first mortgage today. Are att. received them first, signed her part then sent them to us. I have called our att. twice today and emailed her regarding some ? I have. All she is saying is fill them out the best u can and we'll see what happens. Well its asking to put our take home income then our monthly expenses and then it wants to show how much we have left over for the mort. payment. Ok my ? is we are showing we have $45 dollars left over after the mort. But on the other bk forms and petitions we filed its shows different amounts more in the neg. range. does this make sense or should I just wait and take them to the 341 meeting wed.
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I would want them to match my Schedules I and J, and if they differ from schedule "I" and "J" I would be ready with my explanation as to why they differ.
Just an opinion.Filed..................03/31/06
341 Meeting............05/10/06
Discharge..............07/17/06
Case Closed............07/17/06 -
yeah thats what I thought but couldnt get a straight answer from my att. If I do it using I and J it shows Im in the neg. by 500. Will they let me reaffirm this loan being in the neg. Im not really sure how I even came up with 45 left over.Comment
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Probably by not including clothing, entertainment, pet expenses and such. I'd bet when you initially went thru the Bank Reaffirm expenses list, you wrote down what you pay out every month, and not your total costs to live.Originally posted by notme
The parts that have been so hard for all of us to figure. LOLFiled Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...Comment
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You would think they would make it alittle easier to figure out. I'm just gonna wait and give it to my lawyer on Wed. when we have our 341 meeting. That is what I am paying her for anyways. I really feel like I'm going crazy!!Thanks for your repliesComment
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