Thank you ,despritfreya , for explaining what a conduit mortgage payment is - I never heard of such a thing before! I understand now why every one on these forums recommended us letting the house go in a foreclosure if we couldn't pay the mortgage in the future. Our current mortgage is already $2300+...

Well, newlife, I 'm glad you are enjoying your BK13 lifestyle!
Since filing, I have permanently lost a tooth and do not know when I will be able to come up with $3000-5000 for an implant . Also, I have had to skip a lot of medical care because each visit costs around $200. My husband has chronically...

Hi, sunnydays.
Your path to BK13 is one that I fear may still await us (terminal cancer diagnosis) and we already went through the loss of a loved one. So I understand part of your hellish journey and send my deep condolences for your son's tragic death as well as your brave struggle to remain...

My husband will have to work somewhere for at least 16 more years until he reaches 65,flasholight. Actually the BK13 is making us stay at least until 2022. Rents here are very ,very expensive.
Letting neighbors steal your stuff is not the answer. ...

Thank you Sophieanne -you are always kind and thoughtful.
I feel so powerless and victimized by the court system,solar company and the mortgage broker and his company. I'm not sure we have any decisions.left.It seems all our decisions were made for us already. Foreclosure doesn't seem like a...

I wonder how many people end up in BK13 to save a house they should sell (even if they can only break even at best) or just let go. I recall one lady who filed BK13 to save her California condo which was literally falling apart before her eyes. She had a horrific five and a half years in BK13 before...

Hi, flasholight, we just don't have any allowable medical expenses to use to manoeuvrer into a 7 - we are just surviving with out DMI (which is the intention of this BK13 plan) and I think until a medical emergency or job layoff occurs ,there is just no out! All expenses were calculated when we filed...

It's funny how only now after struggling through the first 18 months of our 5 year BK13, do I see just how many choices we had prior to ending up in this "plan" - never moving here in the first plan, leaving the state when my husband's clearance was revoked or leaving once it was clear housing...

Also, I forgot to add rents are exactly the same as mortgages which is almost unheard of anywhere else! In nearly every other unaffordable housing market, rents are cheaper allowing people a choice....

I don't know if any one else has ever gone through a situation like this but if you have please share how you weathered it and if you were able to come out with any money at all.
We only have $561 DMI that we are able to pay to the trustee for another three and a half years. Our mortgage is $2200+...

Hi,flashologht, thanks for your reply.
Much of what you say here makes sense but until my husband loses his job (if indeed that happens before the BK13 ends!) the trustee would never allow us to convert to a 7 because we are above the median income for Colorado enough that even the high mortgage...