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Ellen, Attorney
Category: Bankruptcy Law
Satisfied Customers: 36714
Experience:  Bankruptcy Lawyer. Experienced.
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I am actively in chapter 13. When I filed, I was behind on

Customer Question

I am actively in chapter 13. When I filed, I was behind on house payments. I converted the 2nd +3rd home equity loans to unscured debts, because the house is worth less than primary mortgage. Now I experienced loss of income due to back surgery. Can I convert to chapter 7 and still save the house?
Submitted: 6 years ago.
Category: Bankruptcy Law
Expert:  Ellen replied 6 years ago.

Thank you for your question.

You can convert to a chapter 7 bankruptcy. However, in order to retain the house you must be up to date on payments or have the lender agree to a forbearance