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  • All bills current at time of BK filing - how would FICO be affected?

    I have a home that is underwater approx. $100k. It may become necessary to do a short sale or walk away. At present, my credit FICO is 815, and I'm current on all payments. My income situation will be changing dramatically in approximately 4-5 months. I had actually planned to retire and sell the...
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  • AZNoName
    started a topic Leave now or stay until they kick me out?

    Leave now or stay until they kick me out?

    My husband and I are filing chapter 13 within the month and plan on surrendering our home (which we're 100K+ upside down on). We're only 1 month behind on payments on our first and 2nd loans.

    My question is, should we begin looking for rentals now that our credit is still good? or wait...
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  • netzilla
    started a topic Home Loans after Chapter 7

    Home Loans after Chapter 7

    I live in Dallas, Texas, and my Chapter 7 was finalized in November of 2009. I filled out a reaffirmation agreement with my current mortgage company (Chase Bank), but they didn't get the paper work back before the BK was finalized.
    Now my home is showing up under my BK, and I would like to know...
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  • backontrackOH
    started a topic Land Contract "Equity" and Chapter 7

    Land Contract "Equity" and Chapter 7

    I am currently the buyer in a land contract in Ohio. I made a down payment and have made several principal payments on the loan, all to the owner of the home.

    How will the 'equity' I have in the home be viewed by a trustee if I file a chapter 7 bankruptcy? Ohio has a $20,200 homestead...
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  • t606149
    started a topic What do I do about my property

    What do I do about my property

    I own a home in Wisconsin on a 'Land Contract' and my intention was to do a total remodel of the home however, over the past years, the value has dramatically dropped and I've had to file Chapter 7 bankruptcy. I did not include the home in my original papers but now after doing some extensive research,...
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  • lolie
    started a topic Here's a thought... Trade home with lender.

    Here's a thought... Trade home with lender.

    This was just a thought and worth a shot to ask my attorney.

    We plan on surrendering our underwater home to the lender in our Ch.7, however what if... and this is a big WHAT IF...

    What if we offer a trade to the lender? They have to accept our home as a surrender and then...
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  • lolie
    started a topic WHY a Short Sale?? I want to surrender.

    WHY a Short Sale?? I want to surrender.

    O.K. we just had our second meeting with our attorney. Decided to go ahead with Chapter 7, but when I mentioned we want to surrender our home he would cover over other things first. Then when we got to filling out the paperwork, he put down Short Sale. I don't get it! I said surrender.

    ...
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  • Discharged, now what? & home reaffirmation question

    I have a feeling this means I'm all done, but I'm not sure ...

    Today I opened a letter stating "Discharge of Debtor" dated 10:29/08.

    Does that mean I'm all done?

    1. What do I do if someone is still calling me about debts (I think it's illegal &...
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  • 522(b)(2) or 522(b)(3) - which do I use on Schedule C?

    I put another post up, but being new to this I'm not sure if I named it well enough for others to reply. I'm trying to figure out if I should be checking 522(b)(2) or 522(b)(3) on the top of schedule C.

    I live in Nevada and Nevada law requires that we use the Nevada law, instead of the...
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