Hi - my name is XXXXX XXXXX X'X a Bankruptcy and Real Estate attorney here to assist you.
Are you able to pay your mortgage going forward?
yes I can afford my usual payments was around 810.00 monthly
Thank you for your response. If you file a Chapter 13 Bankruptcy, yoiu will be able to pay the arrears over a period of up to 5 years. If you are able to do this - in addition to paying the $810 regular monthly payment, then you will be able to keep your house.
That would be an additional $486 or so per month.
Okay i make enough to do that I didnt know if the lender will except that.
If you file a Bankruptcy, the lender must accept payment of the arrears over a period of up to 5 years, whether or not the lender wants to accept payment of the arrears in that manner.
okay I am going to look further into this Thankyou I will call local attorney today
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