Someone should talk me down before I spontaneously combust.
We missed two bankruptcy payments. $2k in car repairs, $1200 in medical stuff, storm damage on our house, and my husbands hours were reduced. April and May were horrible months. Our bk payments are around $1550.
We did make our June payment, but a week or so before we sent it in, our trustee motioned for dismissal and of course, Chase followed up the next day with their "request for relief from automatic stay" on our car.
We had been considering surrendering our house because we each have an hour commute and our house has a mold issue (the estimate to fix it is $12k and our insurance will not pay.) We're pretty much done trying to save it and should have given it up a long time ago.
The plan we worked out with our lawyer is to surrender our house, which would take our bk payment down to $600/month beginning in August (no July payment) and also allow a garnishment from my husband's paycheck for the monthly bk payment. We could save ourselves from the death trap we live in, save on car repairs by moving closer to work, and save on gas, win, win, win.
Our lawyer filed an objection to the trustees motion to dismiss and to Chase's request for relief from automatic stay.
So what happens now? Is Chase going to fight us on this or is this as simple as the lawyer submitting the documents for the modification?
Please God don't tell me I have to go to a hearing or something.
Did I mention I work in finance and if my employer ever learns about this bk I'll probably be toast?
Pity party for one. This whole bankruptcy stuff utterly depresses me.
We missed two bankruptcy payments. $2k in car repairs, $1200 in medical stuff, storm damage on our house, and my husbands hours were reduced. April and May were horrible months. Our bk payments are around $1550.
We did make our June payment, but a week or so before we sent it in, our trustee motioned for dismissal and of course, Chase followed up the next day with their "request for relief from automatic stay" on our car.
We had been considering surrendering our house because we each have an hour commute and our house has a mold issue (the estimate to fix it is $12k and our insurance will not pay.) We're pretty much done trying to save it and should have given it up a long time ago.
The plan we worked out with our lawyer is to surrender our house, which would take our bk payment down to $600/month beginning in August (no July payment) and also allow a garnishment from my husband's paycheck for the monthly bk payment. We could save ourselves from the death trap we live in, save on car repairs by moving closer to work, and save on gas, win, win, win.
Our lawyer filed an objection to the trustees motion to dismiss and to Chase's request for relief from automatic stay.
So what happens now? Is Chase going to fight us on this or is this as simple as the lawyer submitting the documents for the modification?
Please God don't tell me I have to go to a hearing or something.
Did I mention I work in finance and if my employer ever learns about this bk I'll probably be toast?
Pity party for one. This whole bankruptcy stuff utterly depresses me.
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