Question….

[soscared123]

Will my mortgage company and capital one auto report late payments over the next several months since I have filed Chapter 7?

Reason being is this:
I was thinking this might be a good time to rearrange my payments. The way things are right now is the first check of the month pays my mortgage and the second check of the month pays car loans. I want to reverse that so at the end of the month I am paying the next months mortgage early instead of late but still within the grace period. Know what I mean?? Any suggestions or thoughts??

[LadyInTheRed]

It is a violation of the automatic stay to report late payments during your BK. But, making a late payment could cause the lender to move for relief from automatic stay.

Does your car loan have a grace period? If not, and assuming I understand what you are planning, I'd leave it as is.

[soscared123]

OK, thank you.