HHM - Insurance Money Question????

[Minnymouth]

Filed 6/04 - discharged 10/04 - case still pending over house/land issue - "unperfected title case" - fixing to settle in buy back!

Storm in July 04 - after filing and before 341 meeting in August/04

Received check 8/28/04 - damages/deductible/deprec.
Received another check 9/5/04 - extensive roof damages
Received another check 6/10/05 - inside water damages

Took 3 adjustors, almost a year to settle on damages. Who gets this money???

I still pay the insurance at this time - still live in my home will be getting my home back.

Still no roof on my home and inside damages have not been repaired.

Mortgage Co. name also on checks and would not sign checks because of bankruptcy. The trustee avoided their lien they "thought" they had.

NOW - Who get's the checks???? I will have the damaged house, I paid the insurance but can't get the checks cashed because of the Mortgage Co name on it (they won't sign) and insurance company will not re-issue checks.

DUH - What can I do to get my home repaired with the insurance money.

Or will the trustee take the insurance money for the creditors and say "sorry about MY LUCK"???

Have tried for a year to get a roof back on my house and do repairs. Have my roof tarped at the present time.

Wasn't sure I was getting my home back and sure wasn't paying for all repairs out of my pocket - when I have INSURANCE....money to do it with. I wasn't paying for repairs out of my pocket for someone else. (especially since I have insurance)

As you can see my Chapter 7 was a complete MESS and still is!!!!

Any suggestions???

Minny

[HHM]

Wow, that is a mess. I wish I had some advice for you. Strictly speaking, if the damage happend after you filed BK, the insurance proceeds should go to you, (but don't quote me).

Have you tried depositing the checks (via an ATM). Most banks won't even notice that it is a joint check and still deposit it anyway, just don't take it to a teller.

[Minnymouth]

Damage was after filing BK and checks didn't come till after 341 Meeting. One check came 8 months after discharge.

Your right IT'S BEEN A MESS AND STILL NOT OVER.

If you hear anybody SINGING - IT'S THIS FAT LADY HERE IN KY - LOL

THANKS FOR ALL THE SUPPORT AND HELP

Might try the ATM thing.....