Chapter 13 and then foreclosure

[manyquestion]

I am 2 years into chapter 13 and fell behind on mortgage which is paid outside the plan. I received a letter from mortgage co. lawyer asking for relief from stay and abandon real estate, does that mean they are going to start foreclosure or they are asking judge to make me abandon house right away. I plan on giving house back but i would like to stay through foreclosure process.Thanks for your help in this matter.

[lrprn]

Sorry to hear about your financial troubles. Your mortgage company will follow the normal foreclosure process in your state. You can find out what that process is here - http://www.foreclosurelaw.org/

Did you contact your lawyer when your financial troubles started? Your lawyer may have been able to help out by asking your trustee if you could delay a few trustee payments while you got back on your feet. Also if the financial changes were permanent, you may have been able to have your plan amended or (depending on how severely your finances changed) even convert to file Ch 7.