Hello, my name is Michelle...
We filed ch 13 back in 2007, our trustee payments are 385 a month, we've made all of them. We had caught up on our mortgage w/Chase (1708) and made six months of addtl. payments of 486.00, two weeks before our last payment, which we made, 8/29/08 my husband got laid off. We didn't think much of it at the time as he had never been out of work. We didn't know what was happening. We went from almost a thousand a week, to 400. We didn't buy propane, we used a hot plate, firewood, and some electric heaters thru winter, we made partial payments to Chase, if you're in C13, they won't talk to you, so I'd send a payment with a note, I asked if we could get some help, there's no help for you. Long story short, we're about a little less then 7 months behind. My husband got a job 10/6, I immediately worked out a budget, it's not that much money but enough to make mortgage and all bills. I proposed that we could send them 2k a month, comes to 666.67 (should have known then) every week except around the 15th for bills, all extra weeks would be sent, I have two months mortgage now, but our BK lawyer said "don't send it!!" We got a letter less then a week after hubby started new job, that we were 13k in arrears that we had a stip to pay the 1735 (up starting 12/1) and another 2400 plus a month or that's it. I immediately went online to see if ch13 folks who were unemployed for so long, who got a job could get help. Obama help thing said to call your servicer. I did, they actually said for me to download docs and fax them. I did, including our new budget and pleaded. Lawyer signed stip, he said to buy time, but said that..." They never help people who are in ch13, they just take the paperwork because the government is watching. But they'll never help."
"I" want to send them October and November, and I'll have Dec. on the 1st. My husband and lawyer said absolutely not, they'll just take the money and foreclose anyway.
This is my home, I've lived here almost ten years. I just want to die. Is this true? I don't know what to do. I want to send them payments in good faith, we'll be less behind, but I'm afraid that Chase Fulfillment Center was talking to me for that very reason. And we had tried and tried to talk to them through this. We'd call Customer Service and they'd say we were in Bankruptcy and they couldn't talk to us, so we'd call Bankruptcy Dept. and they'd say they couldn't talk to us, talk to lawyers, and they'd literally hang up on us.
Should I send in payments for good faith? Is this true that they aren't helping anyone in Bankruptcy, that they're just taking the paperwork because the government is watching?
Please someone...help? Please tell me this isn't true, this is my home of nine years. This whole economic situation is so cruel to all. Please tell me if I should FedX the payments to them.
Thank you all so much for your time, I know this is long. It's all I think about, we don't sleep, just a constant state of anxiety.
We filed ch 13 back in 2007, our trustee payments are 385 a month, we've made all of them. We had caught up on our mortgage w/Chase (1708) and made six months of addtl. payments of 486.00, two weeks before our last payment, which we made, 8/29/08 my husband got laid off. We didn't think much of it at the time as he had never been out of work. We didn't know what was happening. We went from almost a thousand a week, to 400. We didn't buy propane, we used a hot plate, firewood, and some electric heaters thru winter, we made partial payments to Chase, if you're in C13, they won't talk to you, so I'd send a payment with a note, I asked if we could get some help, there's no help for you. Long story short, we're about a little less then 7 months behind. My husband got a job 10/6, I immediately worked out a budget, it's not that much money but enough to make mortgage and all bills. I proposed that we could send them 2k a month, comes to 666.67 (should have known then) every week except around the 15th for bills, all extra weeks would be sent, I have two months mortgage now, but our BK lawyer said "don't send it!!" We got a letter less then a week after hubby started new job, that we were 13k in arrears that we had a stip to pay the 1735 (up starting 12/1) and another 2400 plus a month or that's it. I immediately went online to see if ch13 folks who were unemployed for so long, who got a job could get help. Obama help thing said to call your servicer. I did, they actually said for me to download docs and fax them. I did, including our new budget and pleaded. Lawyer signed stip, he said to buy time, but said that..." They never help people who are in ch13, they just take the paperwork because the government is watching. But they'll never help."
"I" want to send them October and November, and I'll have Dec. on the 1st. My husband and lawyer said absolutely not, they'll just take the money and foreclose anyway.
This is my home, I've lived here almost ten years. I just want to die. Is this true? I don't know what to do. I want to send them payments in good faith, we'll be less behind, but I'm afraid that Chase Fulfillment Center was talking to me for that very reason. And we had tried and tried to talk to them through this. We'd call Customer Service and they'd say we were in Bankruptcy and they couldn't talk to us, so we'd call Bankruptcy Dept. and they'd say they couldn't talk to us, talk to lawyers, and they'd literally hang up on us.
Should I send in payments for good faith? Is this true that they aren't helping anyone in Bankruptcy, that they're just taking the paperwork because the government is watching?
Please someone...help? Please tell me this isn't true, this is my home of nine years. This whole economic situation is so cruel to all. Please tell me if I should FedX the payments to them.
Thank you all so much for your time, I know this is long. It's all I think about, we don't sleep, just a constant state of anxiety.
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