The first thing you should do is contact your chapter 13 trustee, because the case manager assigned to your case will be able to provide information regarding the status of your case that you need. If you have missed a couple of trustee payments, albeit with your attorneys advice, the trustee may be seeking to dismiss your case for non-payment, so it would be best to be proactive in this situation and keep your bankruptcy case open so that you can get the benefits of successfully completing the case and discharge certain debts, since your credit will reflect that you filed a bankruptcy whether or not you actually complete the bankruptcy case filing.
Regarding the mortgage company: You can continue to work with the mortgage company during this time when they are offering a 30 to 90 day moratorium for those effected by the flood. This will not violate any bankruptcy law, because the automatic stay afforded by the bankruptcy stops your creditors from attempting to collect any pre-petition debt. However, you are working with them to possibly restructure your loan or at least bring you current on the post-petition portion of your arrears that occurred as a result of the flood. This type of contact is ok and happens often when an area has been disturbed by a natural disaster.
It is important, however, that you determine whether your home is still included in your bankruptcy case and subject to the automatic stay protections. If your mortgage company previously received relief from the automatic stay, then executing a workout agreement with them is imperative. If the home is not protected by the bankruptcy and at the expiration of the 90 day moratorium you have not reached an agreement, you will run the risk of facing foreclosure. If, on the other hand, your mortgage company has not received relief from the automatic stay and a workout agreement has been reached, you will need to have your plan amended or modified to reflect the proper changes. The treatment of the mortgage company in your plan, should be consistent with any modification of the loan that they may offer. Also, if the mortgage company has not received relief and the workout plan comes with a down payment that you can not afford, you can ask whether they will simply allow you to add the additional post-petition arrears to your chapter 13 plan, which would not come with a down payment for the mortgage company.
Lastly, if you still can not reach your attorney, you can always contact another attorney and have them substitute in on your case and begin to represent you. You are not tied to your current attorney, you can retain new counsel, if the current relationship is not beneficial for you.
I hope you found this information helpful.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).