I received a HAMP Mod over a year ago - wasn't a great offer, but I was uneducated then. I was never late on mortgage until this past December. Last year I had some expensive medical payments (both pet and human) and am now 1 month late can't seem to gather enough cash to pay two mortgage payments in one month.
I am filing for Chapter 13 any day (lawyer has all my paperwork) and he does not want to put my mortgage into the mix. I would love a two month reprieve from payments and just put them into the bkrptcy. Attorney was wish-washy about my applying for that second modification right now.
The mortgage company sent me another mod. package and said they will not lower my interest rate, but could possibly extend the term to 40 years (yeah I will still be around then).
My question is if I fill out mod docs now, what do I put down for expenses? I stopped paying my credit cards in November so theoretically I am not making any installment payments.
I am filing for Chapter 13 any day (lawyer has all my paperwork) and he does not want to put my mortgage into the mix. I would love a two month reprieve from payments and just put them into the bkrptcy. Attorney was wish-washy about my applying for that second modification right now.
The mortgage company sent me another mod. package and said they will not lower my interest rate, but could possibly extend the term to 40 years (yeah I will still be around then).
My question is if I fill out mod docs now, what do I put down for expenses? I stopped paying my credit cards in November so theoretically I am not making any installment payments.