Hello and thank you for allowing me the opportunity to assist you.
I'm sorry to say that it does not look good for you. Simply put, in order to keep your house, you must pay the mortgage. Even a bankruptcy cannot stop a foreclosure if the mortgage and arrears are not paid through the plan. In fact, a failure to pay into the plan will not only result in the lender filing a motion to lift the stay (which will almost certainly be granted), but it will also likely result in the trustee
filing a motion to dismiss your bankruptcy. However, you can convert your Chapter 13
into a Chapter 7
. Unfortunately, while that will help discharge your debts, it will not help you keep your house. The only option that I see at this point is to work out a deal with the lender if possible.
Have I satisfactorily addressed your concerns? If not, then please feel free to ask for clarification.
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