If you don't decide to reaffirm your house and you move out before you file bankruptcy will the banks do the foreclosure after bankruptcy. We are going to be behind a couple months when we file bankruptcy. However, when they foreclose it will be after we file so how does it get resolved on your credit report. Does it just say foreclosed and the date of bankruptcy or is it going to be a future date.
I also know when they foreclose and you don't file bankruptcy they come after you for the difference. Does that happen after bankruptcy?
This entire process has been a very painful experience and deciding to give up your house is really humbling. I mean I remember when I was a kid my mom talking about Aunt's and Uncles who were losing their homes to foreclosure and how irresponsible that was. Geez, now I'm doing the same thing and I feel like such a loser. Believe me I have tried and struggled and just don't seem to get very far.
I decided that giving up the house and living cheaper would mean a better chance for saving and survival. My family just likes to point out that you could pay your house payment and stay if you make more. I can't help but think that I got in serious crap because I always thought better days were ahead. They just might not be and maybe they will.
Sorry this is stream of conscience, I just really am having a hard time making all these decisions. I kind of remind myself of Rex in Toy Story where the Dinosaur says "Oh, now I have guilt". That is the worst having your children hate you or have a sad look because mom failed.
Thank you all for listening.
Jen
I also know when they foreclose and you don't file bankruptcy they come after you for the difference. Does that happen after bankruptcy?
This entire process has been a very painful experience and deciding to give up your house is really humbling. I mean I remember when I was a kid my mom talking about Aunt's and Uncles who were losing their homes to foreclosure and how irresponsible that was. Geez, now I'm doing the same thing and I feel like such a loser. Believe me I have tried and struggled and just don't seem to get very far.
I decided that giving up the house and living cheaper would mean a better chance for saving and survival. My family just likes to point out that you could pay your house payment and stay if you make more. I can't help but think that I got in serious crap because I always thought better days were ahead. They just might not be and maybe they will.
Sorry this is stream of conscience, I just really am having a hard time making all these decisions. I kind of remind myself of Rex in Toy Story where the Dinosaur says "Oh, now I have guilt". That is the worst having your children hate you or have a sad look because mom failed.
Thank you all for listening.
Jen
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