I occupy the home. There is no equity. I want to keep the home but am more inclined to use some of the various defenses, as a result of the securitization problem, to keep the home. I need time to use these strategies ie. bankruptcy to provide the time for my defense.
I am not clear on your 1st question. I have a 1st and a 2nd with B of A. They originally were with Countrywide.
I need time to apply the different strategies and think a Ch. 7 would be better, which could be changed to a 13 later. The idea being to buy time without having to make payments as I would under a 13.
Can a BK be filed in any Federal Court, or does venue apply?
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