Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Thank you for your question. I am happy to assist you.
Absent a voluntary forebearance agreement/loan modification with the lender and/or tax collector, a Chapter 13 appears to be your only alternative.
A Chapter 13 bankruptcy could permit you to set up a plan to pay the arrearage over a 5 year period.
It would be best to retain an attorney. If this is not possible, you can purchase the forms and file the petition yourself.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
Thank you, FLAandNYLAWYER