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Our Chapter 7 BK was discharged in 11/2011. Our mortgage and
Our Chapter 7 BK was discharged in 11/2011. Our mortgage and equity line were included. Last year I modified my 1st but it did not include equity line, both are with Wells Fargo (Was World Savings the… read more
Roger
Roger
Litigation Attorney
Doctoral Degree
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I have filled for bankruptcy and I have affirmed the house
I have filled for bankruptcy and I have affirmed the house but I cannot afford the mortgage which is $4200. I can afford about $3200.00 can the bank turn this down if I send this to them, can they ref… read more
KUMI95
KUMI95
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Myself and my husband filed BK 7 in 2010 and discharged 2010.
Myself and my husband filed BK 7 in 2010 and discharged 2010. We reside in Michigan. Our primary home was not included in the BK. We did not reaffirm the debt w/Huntington in writing. However, we did … read more
A.J.
A.J.
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I took out a second mortgage with my partner at the time.
I took out a second mortgage with my partner at the time. When he filed for bankruptcy, the primary mortgage which was held in both of our names was excluded from the bankruptcy. The second mortgage w… read more
socrateaser
socrateaser
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Does stripping a second or modifying the first using "making
Does stripping a second or modifying the first using "making home affordable" reduce your bankruptcy payments or does it just keep the payments the same and escalate the date the bankruptcy has been s… read more
TJ, Esq.
TJ, Esq.
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I went under bankruptcy last summer primarily for being behind
I went under bankruptcy last summer primarily for being behind on my mortgage. My vehicle and mortgage was put in the plan. I have a second on the mortgage that I thought was combined with the first i… read more
Fritz
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If our Chapter 7 eliminated all our mortgage debts, and the
If our Chapter 7 eliminated all our mortgage debts, and the BK abandoned the property, then the property was sold by the first TD lender at a foreclosure: Does the sale to a private party wipe out the… read more
cfortunato
cfortunato
J.D.
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We purchased our home in AZ in 2004 with a first and second
We purchased our home in AZ in 2004 with a first and second loan in order to have the first be a conforming loan balance. In 2005 we refinanced to combine both loans into a single loan. In 2006 we too… read more
FiveStarLaw
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My chapter 7 discharge should be entered within 1-2 weeks.
My chapter 7 discharge should be entered within 1-2 weeks. I am current w/ my mortgage payments and I want to keep my home. I realized that I did not reaffirmed my two mortgages that I have on my prop… read more
cfortunato
cfortunato
J.D.
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I found myself forced to file an emergency bankruptcy in
I found myself forced to file an emergency bankruptcy in order to save my home from foreclosure on 9-3-10. My mortgage company had not worked very well with me on my request for a loan modification. I… read more
Roger
Roger
Litigation Attorney
Doctoral Degree
26,954 satisfied customers
If i qualify for chapter 7, will be able to keep my house and
If i qualify for chapter 7, will be able to keep my house and if possible modify the loan on my primary house and forgo the other house. That is if i qualify for chapter 7… read more
socrateaser
socrateaser
1,031 satisfied customers
Situation My wife and I are currently in a trial period for
Situation: My wife and I are currently in a trial period for a modification to our home. The value is roughly about the same as our 1st mortgage, wich is around 715k. Our 2nd mortgage is 108k. My ques… read more
KUMI95
KUMI95
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I own a home I live in in San Leandro Ca. I also own another
I own a home I live in in San Leandro Ca. I also own another property in Sparks NV. Both have significantly upside down morgages. We are considering bankrupcy because we have maxed out our credit to m… read more
Terry L.
Terry L.
Attorney
Doctoral Degree
3,004 satisfied customers
Hi am currently in chapter 7 about 3 weeks away from discharge.
Hi am currently in chapter 7 about 3 weeks away from discharge. I did not reaffirm any of them, i surrendered the house on the schedule. I live in CA and have three mortgages, the house value is 400k … read more
socrateaser
socrateaser
1,031 satisfied customers
I filed for Bankruptcy chapter 7 and was recently discharged.
I filed for Bankruptcy chapter 7 and was recently discharged. The filing included both my first and second mortgage. At the meeting of creditors I was asked by the referee (sorry I forgot what is call… read more
Terry L.
Terry L.
Attorney
Doctoral Degree
3,004 satisfied customers
I filed bankrupctcy, I called my mortgage lender for options
I filed bankrupctcy, I called my mortgage lender for options because I don't want to let the house go, but all they said was to talk to my bankruptcy lawyer, which I don't have one. what can I do?… read more
Andrea Ray
Andrea Ray
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Doctoral Degree
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CAN A MORTGAGE COMPANY FORECLOSE ON A 2ND MORTGAGE AFTER IT
CAN A MORTGAGE COMPANY FORECLOSE ON A 2ND MORTGAGE AFTER IT WAS DISCHARGED THRU BANKRUPTCY? COMPANY ALSO HAD AN INSURANCE POLICY ON OUR LOAN IN CASE OF DEFAULT, WHICH THEY FILED A CLAIM WHEN WE FILED … read more
Brent Blanchard
Brent Blanchard
Solo Practitioner
Doctoral Degree
1,964 satisfied customers
CURRENTLY IN CH 13 PLAN 10 MONTHS, WITH ALL THE NEW THINGS
CURRENTLY IN CH 13 PLAN 10 MONTHS, WITH ALL THE NEW THINGS WITH MORTGAGES HAPPENING IS IT POSSIBLE TO GET MODIFICATION ON MY MORTGAGE WHICH IS FHA TO BEGIN WITH AND FILE CH 7 ON ALL THE UNSECURE DEBT … read more
Roger
Roger
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Meet the Experts:

Terry L.

Terry L.

Attorney

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Better Business Bureau. 18yrs bankruptcy experience. Chicago Bar Assoc. American Bankruptcy Institute member.

cortrightlaw

cortrightlaw

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Attorney practicing Bankruptcy Law including Chapter 7, Chapter 11, Chapter 12, and Chapter 13.

JoeLawyer

JoeLawyer

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Attorney in the practice of Bankruptcy Law since 1996

A.J.

A.J.

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Experienced consumer bankruptcy attorney.

Fritz

Fritz

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Florida attorney with extensive experience in Chapter 7 and Chapter 13 consumer bankruptcy cases

Law Girl

Law Girl

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153 satisfied customers

I am an attorney.

Paul K, Esq.

Paul K, Esq.

Attorney

141 satisfied customers

10 years Exp., Great customer service, Prompt responses.

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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