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Phillips Esq.
Phillips Esq., Attorney-at-Law
Category: Bankruptcy Law
Satisfied Customers: 19500
Experience:  B.A.; M.B.A.; J.D.
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My new question is if I filed for bankruptcy chapter 13 and

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My new question is
if I filed for bankruptcy chapter 13 and my court was dismissed because of my income what are my options for me not to have a foreclosure?
The bankrupt tcy attorney said that the mortgage was going to work with me....
But I called the manager relation customer service in charge off this account she tells me to fax documentation that I did and now I receive a letter starting that I needed to pay around $12000 before foreclosure..
Do I need to file for bankruptcy again ?
Hello: This is PhillipsEsq. I am a licensed Attorney and I will be assisting you today.


My new question is
if I filed for bankruptcy chapter 13 and my court was dismissed because of my income what are my options for me not to have a foreclosure?
The bankrupt tcy attorney said that the mortgage was going to work with me....
But I called the manager relation customer service in charge off this account she tells me to fax documentation that I did and now I receive a letter starting that I needed to pay around $12000 before foreclosure..
Do I need to file for bankruptcy again ?



Response
: If your lender is not willing to work with you and you have filed for bankruptcy protection and your case was dismissed because of your income, then you may not have any solution to save your home. If you do not pay the amount that is being requested by the lender to avoid foreclosure, your home would be foreclosed, unfortunately. You cannot file for bankruptcy protection again if your case has previously been dismissed UNLESS you are now eligible. If you are now eligible, if your income has changed, then you can file for bankruptcy protection to stop the foreclosure. However, the bankruptcy should not be filed prematurely. It should be filed few days before a scheduled foreclosure sale date to maximize the benefit of the bankruptcy filing. So, if the foreclosure sale date has not been scheduled, you should continue to work with the lender on loan modification or refinancing of the mortgage. Then when a sale date is scheduled, you can get your Attorney to file for bankruptcy two to three days before the sale to stop the foreclosure.

Phillips Esq. and other Bankruptcy Law Specialists are ready to help you
Customer: replied 3 years ago.
I have student loans that were included in my bankruptcy can I file bankruptcy only for my home and have my loans forbereance?
I have student loans that were included in my bankruptcy can I file bankruptcy only for my home and have my loans forbereance?


Response: Yes, you can. However, ALL debts including student loans must be listed on your bankruptcy schedules.
Phillips Esq. and other Bankruptcy Law Specialists are ready to help you
Customer: replied 3 years ago.
Thank you sorry much for your valuable responses and your time