Hello all, i am in need of some serious help...i have been a lurker for a while but now i need some advice
a lil back story. I live in illinois i filed ch 7 -3-02
i bought a condo 10-06...shitty deal caught up in the subprime drama....adj mortgage etc. , developer abandoned the property...we have 13 vacant units in forclosure, and of the 18 owned units 10 have vacated their property
09-08 things started to become unbearable and i at the time didnt want to lose my house didnt want the stigma of forclosure etc, and i couldnt file a ch 7. So i filed a chapter 13. 10% payment 3 yr plan,. Auto stay was lifted 05-09
now i am at the point where i don't care about stigma and the ch13 will be over 09-11 but mortgage payment shot up to $1600 and i am tired of the house and i want to surrender as well as some old irs debt. So i want to convert to ch 7...is that possible..my lawyer is a complete jerkoff, wont return my calls, nasty on the phone when i do talk to them.
I am trying to figure out what options are....can someone who has gone thru this give some advice..thank you in advance
a lil back story. I live in illinois i filed ch 7 -3-02
i bought a condo 10-06...shitty deal caught up in the subprime drama....adj mortgage etc. , developer abandoned the property...we have 13 vacant units in forclosure, and of the 18 owned units 10 have vacated their property
09-08 things started to become unbearable and i at the time didnt want to lose my house didnt want the stigma of forclosure etc, and i couldnt file a ch 7. So i filed a chapter 13. 10% payment 3 yr plan,. Auto stay was lifted 05-09
now i am at the point where i don't care about stigma and the ch13 will be over 09-11 but mortgage payment shot up to $1600 and i am tired of the house and i want to surrender as well as some old irs debt. So i want to convert to ch 7...is that possible..my lawyer is a complete jerkoff, wont return my calls, nasty on the phone when i do talk to them.
I am trying to figure out what options are....can someone who has gone thru this give some advice..thank you in advance
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