Questions about Mortgage and Cars in Chapter 7
We wll be filing chapter 7 on September 15. CC's will be three months behind, Mortgage will be 1-2 months and vehicle will be 1 month behind. I plan on making like 1/3 of a pyament on the morgtage soon.
We do want to try to keep the house and one car...however I can't afford these payments as they are now. I am trying to get the mortgage remodified and the the bank with the car note said they would not do anything because the vehicle is in my husband's name and he does not have a job. I probably could not get a loan with all my debt and much less now that I am behind in payments.
Hubby does have some money in a retirment plan, but has no job.
The pargalegal stated that once we file we will have to get the court's permission to do anything with the mortgage and car payments.
The six month period in which we qualify for chapter 7 is March to August.
Any suggestions on what I should do, need to do?
The paralegal doesn't give much advice on what I need to do. Also we have applied for disability for hubby, paralegal said that would not be included in our income, but never know when that will come through.
We do want to try to keep the house and one car...however I can't afford these payments as they are now. I am trying to get the mortgage remodified and the the bank with the car note said they would not do anything because the vehicle is in my husband's name and he does not have a job. I probably could not get a loan with all my debt and much less now that I am behind in payments.
Hubby does have some money in a retirment plan, but has no job.
The pargalegal stated that once we file we will have to get the court's permission to do anything with the mortgage and car payments.
The six month period in which we qualify for chapter 7 is March to August.
Any suggestions on what I should do, need to do?
The paralegal doesn't give much advice on what I need to do. Also we have applied for disability for hubby, paralegal said that would not be included in our income, but never know when that will come through.
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