Real Estate Law
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A couple questions: In the Chapter 13 is the lender listed as a creditor? And in the bankruptcy are you represented by an attorney? And also, has the trustee had any input regarding the mortgage. (speaking on the phone is additional). We can continue our Q&A.
So, you are saying that Freedom Mortgage and/or Statebridge are not listed as creditors in your bankruptcy?
If a debtor is Chapter 13, the debtor should be hesitate to agree to any workout or modification without first confirming that such workout is part of or does not hinder a the workout through the Bankruptcy court. We can discuss more if you would like to do so.
Sometimes debtors in a bankruptcy can get into more problems attempting to work out something outside the bankruptcy proceeding. If someone is in bankruptcy, any agreements should be worked out within the procedure if possible.
The modification is understandable to entered into; however agreeing to the collection activity to continue is questionable. That is the best we can tell you from this site.