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Did you file chapter 13 or chapter 7?
If you filed chapter 7, it is your obligation to make all mortgage payments that were and that come due. If you were behind, you must catch up if you want to keep the home. the bankruptcy will not discharge what you are behind and let you start from the case filing onward in chapter 7 if you want to keep the home.
Chapter 13 can cure arrears thru the case, all past due amounts paid thru your plan up to the date of case filing. You would be responsible for all post-filing payments either directly or included in the plan payment figure.
If they said you missed one payment, you should have them provide an accounting of all payments made so you can verify with your bank records if this is true. If so, future payments are applied backwards, so that you will always be behind until you cure that payment, incurring late fees and penalties as your contract allows.
If they are in error, you will win and the fees/costs should be waived.
You will need to tender all payments to your lawyer to bring current if you wish to have the foreclosure process dismissed.
You may want to also consider loan modification to tack the amounts behind to the end of the note, bringing you current.
Otherwise, chapter13 can help you cure that default and bring it current over a 3-5 year repayment plan .
Thanks for your question, good luck .
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