Thank you for your question. I am happy to assist you.
You may want to consider contacting the lender to arrange a plan to reinstate the mortgage.
If the lender is not agreeable, you can file a Chapter 13 bankruptcy.
A Chapter 13 bankruptcy is a reorganization of an individual's debts. The Chapter 13 plan will need to be approved by the bankruptcy court.
Once the plan is approved, the lender is legally obligated to accept it. You should be receiving your Chapter 7 discharge any day. Once your Chapter 7 is discharged you can file your Chapter 13 if the lender is unwilling to work with you.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
Please hit ACCEPT so that I can get credit for my work
Bonuses and Positive Feedback gratefully accepted!
THIS IS FOR INFORMATION ONLY. NO ATTORNEY-CLIENT RELATIONSHIP EXISTS. PLEASE CONSULT A LAWYER IN YOUR STATE FOR LEGAL ADVICE