We filed chapter 13 in march 2007 Yes it has been a struggle to make the payments but we were doing them.Just yesterday we got a letter saying that we have an escrow shortage and that as of Dec.1 our new payments will be 500 more a month to make up the shortage.My husband called the mortgage company the escrow part the number was on the bill and they told him that we have a shortage of 11000 which my husband proceeded to tell them that it was included in the payments to the trustee it was in our plan after going back and forth for about 30 minutes they just keep telling him as of December 1st our new mortgage payment is 2600.I dont know what to do right now I feel like walking away from it all there is no way they are going to let up just when we thought we might be able to do it now this
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If your arrears are included in your Plan and you had an attny file your plan for you,.......... You need to call your attny ASAP on Monday.
Sounds like your Lender may have their wires a bit crossed. Which can happen. Some Lenders are so big that regular Customer Servicing does not know what the Foreclosure and/or BK Depts are doing.
Contact your attny and get him/her moving on this.
Another thing you might be able to try is,........... Call your Lender and ask to be transferred to the BK Dept.
Generally speaking, when you file BK, your acct gets transferred to a special BK Dept. The Reps are specially trained in what they can and cannot say to you. What they can and cannot do with your acct.
The BK Dept may be able to get this whole mess cleared up for you.Filed 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... -
That is an awful lot of money per month for an escrow shortage.
Did your taxes or insurance sky rocket or do you owe the lender for money they put out for your taxes from last year?Comment
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