Ok, We were discharged 2 weeks ago but our case is still open. We searched the trustee on pacer and all other 341 cases held on the same day are also discharged but they are all cosed and we are not.
We were a large case over $300k so I can understand that the trustee might be fishing for something.
In any case our schedule J was negative of around $50 using our actual true expenses so we are barely making it even after discharge.
We are getting ready to contact the bank to see about getting a possible mortgage loan modification. Our current payment is $3600 a month and we are hoping to get the payment reduced by $600 or $700 a month.
If we got a modification for lets say $700 a month, That would be a savings of $8400 a year. It seems to be a very possible modification since our rate is almost 7% and if we can just get a rate modification to 5% (no principle changes) it would come to that much money.
If we did get a modification and our case is still open can the trustee try to take the new found savings? Or try to covert us to a Chapter 13 since we would on paper now have disposable income? Or are we safe to attempt this mod while our case is still open?
We were a large case over $300k so I can understand that the trustee might be fishing for something.
In any case our schedule J was negative of around $50 using our actual true expenses so we are barely making it even after discharge.
We are getting ready to contact the bank to see about getting a possible mortgage loan modification. Our current payment is $3600 a month and we are hoping to get the payment reduced by $600 or $700 a month.
If we got a modification for lets say $700 a month, That would be a savings of $8400 a year. It seems to be a very possible modification since our rate is almost 7% and if we can just get a rate modification to 5% (no principle changes) it would come to that much money.
If we did get a modification and our case is still open can the trustee try to take the new found savings? Or try to covert us to a Chapter 13 since we would on paper now have disposable income? Or are we safe to attempt this mod while our case is still open?
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