I know I have to file Chapter 7. I stopped paying most of my cc's except for Capital One, Home Depot and a gas card.
I have used my Capital One Card for groceries and gas during the past 3 months. I'm so tired of the creditors calling me all the time. So far, they haven't sued me or anything and are still willing to work with me. I haven't payed in over 160 days. Let me also say I'm self employed so they can't garnish wages.
I am now late on my mortgage for May and now possibly June. I am trying to obtain a loan modification and BofA told me unless I'm late they won't consider it. I still haven't heard back from BofA to see if they will even consider it.
My question is, should I file before, during or after the modification if it's even considered? Am I still in the safe zone as far as getting sued? Is it possible to go into Chapter 7 and be late on a mortgage payment? I want to keep my home. I'll be filing Pro Se, can't afford an attorney.
I have used my Capital One Card for groceries and gas during the past 3 months. I'm so tired of the creditors calling me all the time. So far, they haven't sued me or anything and are still willing to work with me. I haven't payed in over 160 days. Let me also say I'm self employed so they can't garnish wages.
I am now late on my mortgage for May and now possibly June. I am trying to obtain a loan modification and BofA told me unless I'm late they won't consider it. I still haven't heard back from BofA to see if they will even consider it.
My question is, should I file before, during or after the modification if it's even considered? Am I still in the safe zone as far as getting sued? Is it possible to go into Chapter 7 and be late on a mortgage payment? I want to keep my home. I'll be filing Pro Se, can't afford an attorney.