Saving Ch13 and delinquent mortgage.

[sophieanne]

Go Spidge!!! Go Spidge!!!! Sounds like you're back in control!! Way to go!

[ValleYum]

Great job, Spidge!

[dmc-2008]

You are almost there!!!! Pulling for you!!!

[jange]

good to hear spidge!!

[spidge]

Made two more trustee payments today to bring us current.

Working on the mortgage arrears that are outside the plan.

[ValleYum]

Looking good, spidge!!!

[spidge]

We put another duckling in line by paying two trustee payments (Sept & Oct) and I am confident we will make two more (Nov & Dec) next week. That will leave us 11 to go, but still in need of a mortgage modification soon.

Hopeful.

[spidge]

Attorney's office called this morning to discuss modifying my ch13 plan, but with the payback already at 3% it cannot be done. I have until a hearing on December 23rd to make up three payments, but I am sure I will be able to make four by then.

I was advised to seek another mortgage modification to bring it current. I was given a mod 6 years ago and another a year later, but the attorney's office assured me that mods can be done every two years. I do hope they are correct as that would be our best solution with the new arrears spread over the life of the loan rather me attempting to make them up in six months. The mortgage company just sent a letter to the attorney and I asking to send me the monthly statements. I hope that is a good sign.

I feel like mother duck collecting the ducklings and aligning one at a time.

[spidge]

How is it going?

Well the attorney said they would ask the trustee not to move until December so that I can catch up on the BK payments. I wont receive my first payroll check until next Friday and will likely be able to pay the last two and the one due for this month. So the BK will be taken care of but the challenge will be catching up on four mortgage payments. I am still not sure what I am going to do on that as I do not know what is acceptable. I don't like the idea of a 401k loan as that would just be another payment that would last for who knows how long. The plan was to be even steven when the discharge comes, but if I need to make changes I will.

I am much less stressed out as the F*&k It" stage has come and gone. In the plan almost all the tax claims are paid and I owe a little less than a payment on the house arrears with nothing going to the unsecured yet. The balance on the bk is a bout a months salary which is a good feeling, but I just need to get over the mortgage hump first.

So close yet so far.

ARG!!!!!

[AngelinaCat]

How is it going?

[spidge]

Thank you Pandora, jange, and ValleYum.

[Pandora]

Keeping you in my thoughts that all works out Spidge! Hang in there!

[ValleYum]

I will cross my toes for you, too, Spidge... For extra luck!!

[jange]

I hope everything works out for you spidge!

[spidge]

The fun begins now as the trustee filed a motion to dismiss, but the good thing is the company rep called me in to start working again tomorrow. The attorney will try to put off any action until December and by then I should be caught up on the BK payments. Then I just have to straighten out the mortgage.

Fingers crossed.