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question about house after filing

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    question about house after filing

    forgive me if anyone else asked this but we are trying to keep our house even though the payment is a bit high i think, our 341 is Dec 10th and we have a payment due on the 16th Dec for the house,( we are up to date never late) if we did not make that payment would it extend our discharge and make things worse? not sure right now if we can pay it around chrsitmas time, we were going to decide after christmas if we were going to stay or not, also mortgage compnay told hubby they cannot do a loan modification if we are up to date.... as we thought we would try for that first before we let the house go....

    anyone been through this?

    B
    B x
    filed Ch 7 Oct 31st 2008.
    341 Dec 10th 2008.
    DiSCHARGED Feb 10th 2009

    #2
    Skipping a mortgage payment should not delay your discharge. When you file, if you skip payments and go into default (usually 90 days late), the lender can lift the stay and proceed with foreclosure.
    Bankruptcy History:
    Chapter 7 filed - 10/12/2005 - Asset
    Discharged - 02/16/2006
    Case Closed - 11/08/2007

    A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain

    All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.

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