Is there anyone who will help me with my mortgage if I am in chapter 13 bankruptcy?
413589
Most lenders will want the chapter 13 paid at closing. Do you have enough equity in your home to pay this off? Remember you will not get 100% financing since your credit scores may be very low with the BK13. Most will give you 80-85% of the value in a new loan. Most trustees will allow you to buy out at a reduced rate after you have been in the chapter for 2 years or longer. Good Luck!
453879
You and your credit score and not going to win on this one. Go to the lender immediately. Talk frankly with them...they may offer you options, they may not. But it cannot hurt, and it well may help. The lender will NOT want you to file bankruptcy unless they hold a deed of trust. IF they hold a simple mortgage, the property will be tied up for at least 6 months, maybe more. They may be very lenient with you to avoid the problems associated with bankruptcy. Even with a Deed of Trust, Bankruptcy throws a serious wrench into the foreclosure process. Talk to them, not us...they have better answers than we do. Either way, don't plan on your credit score to be very high for many years...up to 7. You can carefully rebuild your credit, but a filing of bankruptcy may live on longer than 7 years, considering the changes in bankruptcy laws last year. In fact, you may not be able to claim bankruptcy because of the changes in the law. Check it out with an attorney and the lender.
644424
YES ... ME  I AM A SR MANGER AT MORTGAGE BANK PLEASE EMAIL IF WHAT LTV YOU ARE LOOKING TO DO WWW.JOHNG@OLDMERCHANTS.COM
545320
Contact the trustee and find out if they will allow you to pay off your "plan" early.  \n\nYou don't want your BK dismissed, that will allow all of your creditors (including unsecured ones) to come after you.
803419
I don't believe that they can take this money, but I would ask the attorney that is handling your bankruptcy, he will know the answer to this.
479660
I would file tommorow if I was you, once they get a judgement you cant include them in your bankruptsy. I just filed in october and it was over in march. I downloaded the forms from gov.org website and did it myself, I filed it myself and included a form to ask the court for a payment plan for the court costs which were $187.00, to be made in payments. We filed chapter 7, and because we didnt have more than 25% equity in our home we got to keep it. We wernt behind on that bill. So we just keep on paying it like usuall. We got to keep one car for each of us. Both were already paid off. My husband had one judgement that was not allowed to be discharged. And our home equity loan and mortgage was not entered as a discharge, because we are still able to pay for that. We got $69,000 dollars worth of debts discharged (meaning we don't have to pay them)The day you file, you have to pay $50 dollars toward the total if you file the form asking for the payment plan. The forms are kinda hard to understand at first.The packet is about 20 pages. One ask to list all secured debts, which are home loans or car loans. And then you list all your unsecured debts on one page meaning credit cards and hospital bills and the like with all the totals and names and addresses of the debtors, and then a page to list your income and what your personal assets are like jewlery, art work etc. Just work one page at a time, you can do it. But work fast before the judgement, and don't tell them you are doing it. The day you file you and get a number you are protected from them harrassing you, calling you or sueing you. The papers are free to download of the government web page. You have to decide which one to file chapter 7, 11, 13 depending on you particular circumstances. 7 is total and if you own more that 25% equity in a home they can sell the home to satisfy the debtors. 13 is a repayment plan I think. And state to state has different rules. Now you have to have credit counciling to, I think. The second web site has the forms free to download and the rules of the credit counciling and a listing of the individual states that you would live in. I hope this has helped you. Remember the law was set up for you to help you, when you cant pay the bills. Dont let anyone shame you. Its your right to file..
1064042
There are some mortgage companies that specialize in bankruptcy bailouts. Eg. Option One.  I would look into one of those...
1045876
YES! ANd you should give me a call at work! Email me and I will give you the phone #. I am a Loan Officer with Ace Mortgage Funding...   (ACEREFI.COM)\n\nHope that helps!!!!   \n\n\nHartlannon@yahoo.com
918166
Hi there,\nIt is possible to obtain a mortgage as a discharged bankrupt yes. You will need to consult a specialist mortgage consultant however. I know that a specialist consultant will answer questions about mortgage products on a section of the Myvesta advice forum. I will add the link below for you.\n\nhttp://myvesta.org.uk/forum/viewforum.php?f=12&sid=aa605a6bff28759984cce5392bccb197\n\nHope this helps!
253126
Yes....FHA will do it.  I can take care of this transaction if you would like to talk.  go to my website www.americanhm.com/timothy.ka zee and apply.  I will get back to you as soon as I can.  Then also, please call me at (614) 598-2990 and we can talk personally about this.  I should be able to take care of this for you.
614815
call your lawyer.\n\ni would imagine that if you are selling your home..any profit you make will need to pay off the chapter 13....but..im not a lawyer.
400076
Yes, I just did.  I did a chapter 13 a month ago.  I had to do a one hour telephone interview with a bankruptcy approved consumer credit counselling service (my attorney gave me the phone number), and they gave me a certificate that said I was approved to file a bankruptcy, which they sent to my attorney.  All of my unsecured debt was released, and I'm on a 5 year payment plan with the bankruptcy trustee to pay off my cars, and some income taxes.  Almost $10000 of credit card AND payday loan debt was washed away!  Saved my life!  Good luck!  (BTW...Torkhum, one of your answerers, doesn't know what he's talking about...the new laws only effect about 2% of the population when everything is said and done, once you get bankruptcy approved interview with the CCC service your attorney recommends to you)
7418
Credit is nothing more than an agreement, a promise.  If you failed to pay in the past, and you want to get someone to loan to you again, you have to repay what you borrowed.  If you are going to instead see how little you can pay to eliminate your past debt, your new lender has got to think that you will treat him the same way.\n\nPay your debt...or suffer the consequences.  As you said, you made some bad previous choices.  Either own up to them (and pay) or work through the various options of being a renter until your bankruptcy is discharged, etc.\n\nIt's hard to get a new lender to believe you are credit-worthy (aka, "trustworthy") if your primary goal is to *NOT* pay your debt in full.
701323
sorry for your loss.  well, i'm not sure why you can't sell.  that really would be your best option.  even if things get back on track, you are "mortgage-payment poor".  you need to find something more inside your means.  hopefully you don't owe more on the house than its worth.  if you do, maybe bankruptcy is your option.  a chapter 13 allows you to setup trustee payments for the deficiency balance, and resume normal payments once a month.  that way you dont have to worry much about the past due amount.\n\nhave you tried refinancing?  there may be an option there.  if not, maybe you can talk with your mortgage company and setup a forebearance agreement (a payment plan BETTER than the one you have, that would help you get caught up).  do you have equity in your house to do a 2nd mortgage and consolidate any other debts you have?   maybe doing that would save money monthly from your budget.  i don't know, just some suggestions for you.  good luck... it will work out eventually.
892241
If you were to file a chapter 7 now on your credit report it will show that you would have filed 2 bankruptcies.  Under the new bankruptcy laws you will have to go to counseling before filing any bankruptcy and the counselors they are using are from Consumer Credit Counseling Services.  \n\nYou should continue with the chapter 13 or just payoff those bills with the funds you received from the sale of your home.  It will save your credit and you won't be turned down to buy another home in the future.   You also want to start getting your credit back on track by applying for a secured credit card.  Stay away from retail and department credit cards.  These type of cards are finance companies and will lower your credit score.
702046
I doubt if you will be able to file bankruptcy on line. You can file on your own, but will probably need to talk with an attorney. Bankruptcy laws changed about a year ago. You cannot automatically get a Chapter 7 discharge. There is a means test you must pass before you will be allowed to receive a discharge. You may be required to file Chapter 13 to repay all or part of your debts. That is the new law. There are Consumer Credit Counseling companies that help those with credit problems to work something out and repay their debts without having to file for bankruptcy. They can often work out a reduced settlement out with your creditors. If it has been 10 years and you are working, perhaps it would be best to try and work out a settlement on your debt. Frankly, after 10 years, I am not sure that they could legally collect from you anyway. If you file bankruptcy your credit will suffer for many years. A bankruptcy can stay on your credit for as long as 10 years, depending on the section of the bankruptcy law you use. You really need to talk to a lawyer or credit counseling service.
787989
There's still a few other options other than bankruptcy.  Here's a good website that may answer your questions:\n\nhttp://www.fixmymess.com