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Ellen, Attorney
Category: Bankruptcy Law
Satisfied Customers: 36714
Experience:  Bankruptcy Lawyer. Experienced.
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After filing Chapter 7 the bankruptcy trustee found that the

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After filing Chapter 7 the bankruptcy trustee found that the bank had not filed their mortage on our home,she then filed suite against them and gained control of our home. She agreed to sale the home back to us for 65,000 and notified the creditors, at this time the bank filed a motion requesting that she sale the property at auction or sale it to them for 75,000. Our hearing is set in a few weeks and now we can not get any help, suddenly the trustee or the attorney that represented us will not return a call. What are our options? Is there anyway to stop it from going up for auction or allowing the bank to purchase it? Also, do we have any protection under the homestead act (Kentucky)? This has totally destroyed us, we were assured from the being that our home was safe,any advise would greatly be appreciated.

You can consider converting to a Chapter 13. The Chapter 13 will allow you to retain the assets that are overexemption (the house) and pay your debts over a 3-5 year period. It appears from your post that converting to the 13 would allow you to keep your home - apparently without a mortgage.
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