HI, I posted before that in my mortgage papers it does says we will be in default if we file bankruptcy, I was just planning on filing myself, and my husband is listed as main borrower on house ( my name is on it too though), now I'm so scared because I've already stopped paying my cc bills to save up money to file, so I'm screwed there-- now if I file will they foreclose on us?--I can't lose our house!!! And we are so in over our heads that we pay our mortgage before the grace period( 15th) but not on 1st. I know after I got rid of all these bills it will be there on time or early--but right now that just isn't happening. I don't go see an attorney for 2 weeks--this is going to kill me. I thought too that if I can't file I'll just get my husband a different checking account and maybe change our phone #--almost all the cc I have are low balances( well at least till they start heaping the fees on)--Also some of my cc's are with Citibank( my Shell, BP, Homedepot) and our motrgage is with Citifinancial--will they foreclose on us if I don't file but just are in default with those cc's since they're under the same bank?? I'm so confused!!!!!! Thanks for listening
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Most BK attorneys offer a free first visit. Ask that question there, but for now it is my opinion that a provision in loan contracts is against public policy and therefore not enforceable.
How can you agree not to do something that our Constitution gives us the right to do. Bank put those clauses in there to try to prevent BK which is just what you are doing now.
Thanks,
enoney
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