Bank wants me to fill out loan mod paperwork after chapter 13

[ilbcertain]

We filled chapter 13 about 6 months ago letting the house go. We are currently living there waiting to be notified when we have to move. I received a call from the bank yesterday asking what my intentions are with the house. I told them my intentions were to keep it but needed there help in lowering the payment so i can afford it, they said they would sent loan modification paperwork for me to fill out.

Why would the bank be calling me? Is it possible they would be willing to modify the loan after we filled 13? The house is about 100K underwater. We would stay if they could work something out so the kids could finish school in 3 years.

[mountanddo]

First thought that comes to mind is if you modify your loan are you then saying you are responsible for it? 100k underwater? You'll never recover from that. Are all the kids just starting high school? If they are then they are just in their freshman year and moving now might make more sense than in their senior year...trust me, don't move them in their senior year unless you absolutely have to.