I know that in a Chapter 7 that you mortgage will show IIB for reporting and can continue to report that way and if you didn't sign a reaffirmation agreement that you could walk away without any problems. Does 13 have that option or after discharge does it go back to reporting your mortgage monthly on your credit report and do you have the same option of walking away? I ask this question because since starting our 13 in 4/05, my husband has changed jobs and his new job is 70 miles away and the real estate market is so down in this area that I don't know whether or not we can sell this house. We want to stay here through the end of next school year 5/07 because I have a child that will be graduating from high school, but after that we have to get out of here, the gas money alone is killing us. Our bankruptcy should be done 7/07. Does anyone know? Thanks for your help. Plus I am still struggling with the roof and whether or not to replace it.
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