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Foreclosure notification after filing ch 13

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    Foreclosure notification after filing ch 13

    So I filed ch 13 on 7/11, made my first payment 8/5, had my 341 last week. Saturday in the mail was a letter from the bank who has my mortgage saying that they had started the foreclosure process on 8/11. I am several months behind but the arrearages were built in to be paid from my plan. Do you think the bankruptcy and foreclosure departments just haven't communicated to each other or do you think they are trying to foreclose even though we want to stay and pay back the arrears amount in the plan? Can they do that?

    I have a call into the atty but am waiting for a call back and hoped someone might have some knowledge...

    Also, paid my mortgage on the 1st (brought it into the branch of the bank and they had to send it to another department by mail since we were so far behind and in a bankruptcy. As of the 15th they had not yet deposited the check...

    #2
    Well, talked to my atty and they said that the mortgage company is just not communicating with the different departments (BK and Foreclosure departments), so they are contacting the attorney's office for the bank that issued the foreclosure notice...

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      #3
      Hi Becky,
      I'm glad you updated your story. Once a person files for BK protection, creditors are not allowed to proceed. It'll take a few days for the finanace and BK depts to communicate...but don't worry, you are protected!

      Good Luck!
      May 2008 Hired 1st Attorney/Stopped paying CCs
      May 21, 2009 Retained 2nd Attorney
      May 28th - Filed for Ch 7 (FINALLY!)
      9/11/09 - DISCHARGED!!!!

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