top Ad Widget

Collapse

Announcement

Collapse
No announcement yet.

Question about 13 and payment

Collapse
X
Collapse
 
  • Page of 1
  • Filter
  • Time
  • Show
Clear All
new posts
Previous template Next
    #1

    Question about 13 and payment

    I filed 13 about 8 months ago. I have all my credit cards, car payments and mortgage in arrears in 1 payment. I pay my mortgage seperately. I have been paying my 13 on time but fell behind on my mortgage due to a salary cut.
    I am now in default of my mortgage. We are most likely going to surrender the house to a short sale. I have new stainless steel appliances and a new pool pump/filter system. Would it be OK to take these items with me when I move? I am thinking I could sell them after we leave the house.
    Thanks
    Tags: None
    #2
    Originally posted by wrigley1976 View Post
    I filed 13 about 8 months ago. I have all my credit cards, car payments and mortgage in arrears in 1 payment. I pay my mortgage seperately. I have been paying my 13 on time but fell behind on my mortgage due to a salary cut.
    I am now in default of my mortgage. We are most likely going to surrender the house to a short sale. I have new stainless steel appliances and a new pool pump/filter system. Would it be OK to take these items with me when I move? I am thinking I could sell them after we leave the house.
    Thanks
    Please call your lawyer on this and ask. But personally, I see nothing wrong with taking my appliances when I moved out. But I bet the lawyer can let you know if you will get in trouble.
    Does surrendering your home qualify you for conversion to a 7? That would be sweet.
    Chapter 13 filed -8/12/04
    Plan approved- 7/11/05
    Date discharged--10-12-2007
    Date closed- 12/6/2007:yes2::yes2:

    Comment

      #3
      I am not sure if I can convert to a Ch7- I would know if I could actually get my lawyer on the phone.
      If I do in fact convert to a Ch7- would I be able to keep the cars?
      I am at peace with leaving the house- there are plenty of affordable rentals in the area- the cars on the other hand, are necessary

      Comment

        #4
        Originally posted by wrigley1976 View Post
        I am not sure if I can convert to a Ch7- I would know if I could actually get my lawyer on the phone.
        If I do in fact convert to a Ch7- would I be able to keep the cars?
        I am at peace with leaving the house- there are plenty of affordable rentals in the area- the cars on the other hand, are necessary
        Far as I know you can keep the cars, might have to sign a reaffirmation
        Chapter 13 filed -8/12/04
        Plan approved- 7/11/05
        Date discharged--10-12-2007
        Date closed- 12/6/2007:yes2::yes2:

        Comment

        Previous template Next

        bottom Ad Widget

        Collapse
        Working...
        X