I will ready to file Chapter 7 in about another week but I'm just wondering about the timing and if I should postpone it a bit.
I plan on reaffirming my home (1st and 2nd mortgage). My first mortgage was just modified, effective April 1st. The 2nd mortgage is still in the process of being modified (still awaiting final approval). If I file before both modifications are technically active, can this change anything? I want to make sure that I won't ruin my chances at both modifications. Can the mortgage company (EMC) choose not to let me reaffirm?
I guess I'm just wondering if it's ok to file now or should I wait a bit until both modifications are completely in place?
I plan on reaffirming my home (1st and 2nd mortgage). My first mortgage was just modified, effective April 1st. The 2nd mortgage is still in the process of being modified (still awaiting final approval). If I file before both modifications are technically active, can this change anything? I want to make sure that I won't ruin my chances at both modifications. Can the mortgage company (EMC) choose not to let me reaffirm?
I guess I'm just wondering if it's ok to file now or should I wait a bit until both modifications are completely in place?
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