The end to our CH13 is within sight and our last payment will be in November. My question is, how is the transition made for mortgage payments from the Trustee to us. If I understand it correctly we paid one extra house payment when the arrearage was paid at the beginning of our bankruptcy which the mortgage company has been sitting on.
If the Trustee makes the last mortgage payment in November, then does that mean I make my first payment in January? I am just trying to understand how this transition works since I have had to fight two mortgage companies throughout our CH13 due to errors on their side. I have prevailed through all of them but it has been time consuming and pretty stressful. The last thing I want to do is get cross ways with the mortgage company immediately out of bankruptcy.
If the Trustee makes the last mortgage payment in November, then does that mean I make my first payment in January? I am just trying to understand how this transition works since I have had to fight two mortgage companies throughout our CH13 due to errors on their side. I have prevailed through all of them but it has been time consuming and pretty stressful. The last thing I want to do is get cross ways with the mortgage company immediately out of bankruptcy.
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