New Status Update on My SoCal Foreclosure Stalling

[helpme2010]

I just called my mortgage company and they denied my loan modification due to bankruptcy. The funny thing is my roof and floor in the kitchen is flooding extremely badly during heavy rains and I was going to go up on the roof and repair it, now I am going to let it get worse.

My ch 13 is working as they don't have a auction date set yet. So filing does buy you at least 2.5 months or more after your ch 7 is discharged.

My plan is to keep cranking for a job and if I am lucky I can find a job by the auction date so I can work a cash for keys deal, otherwise I will either do the cash for keys or stay in the house until the last possible days before eviction. I even received a small inheritance and offered up that as a cushion if I were to run low for a monthly payment during the forbearance plan, but they refused.

[espo1357]

I just called my mortgage company and they denied my loan modification due to bankruptcy. The funny thing is my roof and floor in the kitchen is flooding extremely badly during heavy rains and I was going to go up on the roof and repair it, now I am going to let it get worse.

My ch 13 is working as they don't have a auction date set yet. So filing does buy you at least 2.5 months or more after your ch 7 is discharged.

My plan is to keep cranking for a job and if I am lucky I can find a job by the auction date so I can work a cash for keys deal, otherwise I will either do the cash for keys or stay in the house until the last possible days before eviction. I even received a small inheritance and offered up that as a cushion if I were to run low for a monthly payment during the forbearance plan, but they refused.

Well, good luck with everything.

Why would you want a home with all those problems? And, I am guessing you are underwater?

[helpme2010]

Well, good luck with everything.

Why would you want a home with all those problems? And, I am guessing you are underwater?

My house needs a lot of repair. I just need it until I find a job. My fear is very few people will want to rent a home to me since I don't have a job and filed bk. I have owned this place for 20 years and came to the realization I would have to let it go when filing chapter 7. I am trying to stall the foreclosure, trying to buy myself as much time as I can so I can find a job. Once I have a job then I am ready to go. But it is incredibly difficult to find a job and I am living in southern california and recently earned a degree.

Just taking a break from the Lakers game and some wine (my outlet from all this stress + this board of course).