Ok..update on us!

[julsmom]

Think we are still proceeding with the CH13, attorney has been GREAT with working with us to get our #s set, we really don't know with Dh's new job so we are estimating the best we can & will just have to be able to provide info; which I feel confident on. We are being sued by CU on the cc & the cre line so looking to get this done'; got letter yesterday on Dh's car which is also financed by them so we want this in before they come & try to pick that up.

i am wondering though...we are not behind on our mortgage but are "tight" with cash until money starts coming in from DH's new job, so I am wondering if it may be smart to miss this months' mortgage in order to hold those funds, in case the BK first payt is due before he gets paid; then put the mortgage arrears in with the plan. It seems like others have done that. Is there a downfall to doing that? It would only put us 1 month behind. But then do we pay the mortgage outside the plan then? I was a little confused on that.

Waiting on atty to call me back so I thought I'd post the question here. THanks.

[BNKRPTinNC]

We didn't pay on mortgage for several months (advised by legal) and the arrears went into the plan. Also, our mortgage is paid thru the plan which benefits the trustee but since I have payroll deduction it is one less worry about it getting paid.

[SMinGA]

In your case, I don't think there would be a downfall - since based on the new job/income you expect to pay back a decent amount to unsecured. It just means a few dollars less to unsecured as it would go to the mortgage arrears.