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Letting the house go back...question...

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    Letting the house go back...question...

    My mom is in chapter 13 and pays her house outside of her plan. She has a reduction of income and plans to convert to a chapter 7 and let the house go back to the bank. Right before she filed chpt 13, in january, she was on the verge of foreclosure and she filed just in time. What we need to find out is, when she stops making her house payments, how long does it take to do the foreclosure? Will it pick up where it left off, or does the whole process start over again? She is hoping to remain in the house for 3-4 months before moving. She lives in Minnesota. Thanks!!

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