we are filling out all our paperwork to file chapter 7...we are letting our house go, due to the fact we are upside down on the loan and second mortgage.....we haven't paid our mortgage for 2 mos......we have gotten numerous letters, phone calls, and a note on our door even, saying we have missed payments. We also have a personal loan thru Wells fargo, and because it automatically comes out of checking, we have no money in there so the over draft kicks in, and we are being charged for having NSF etc.....not sure how to handle all this.......Do we call them and tell them, we are filing bankruptcy?? Or just let it all go until we file.......We are both new to this and I hope this isn't a dumb question.
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Get a new bank account where you have no debt, file on the NSF charges on the current account.May 31st, 2007: Petition Filed by my lawyer
July 2nd, 2007: 341 Meeting Held
September 4th, 2007: Discharged and Closed. -
I stopped paying my mortgage in April 09, and filed BK in Nov 09. Do you have another place to stay? You may want delay the filing until you maximize your time in the home (rent/mortgage free). Have you tried a loan modification?Bankruptcy Timeline
1st BKCH7 Filed w/Waiver 11/2/09, 341 12/3/09, Dismissed 12/21/09 (Schedules lost by clerk)
2nd BKCH7 Filed w/Waiver - 12/22/09, 341 2/26/10,Comment
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