Help!!

[fyi2]

We are finally filing this week and when I was reviewing the petition - on the B22 for last payments to secured .. I saw the mortgage and1st and 2nd was listed with payments x the last three months when acutally I havn't been able to pay the mortgage in april/may and i miss one payment on the 2nd
so i emailed the correction and the preparer wrote back that she would delete the payments for both loans since they didn't add up to at least 600for the 90day period

I wrote back asking if i would still qualify if we deleted those mortgages and she said No

GASP!!!

But I thought I would still qualify on means because it is a contractual amount due (from reading posts)

(Nevada)

[fyi2]

ok

wait I just got a clarification.. we aren't deleting the "mortgages" we are just correcting the payments on the statement of financial affairs... should still be ok to file
I am really hoping the mortgage company will work with me on a loan modification, i have never been late before the last 4 months
I don't want to reaffirm though.. that would be a bad business decision.. right now the house which appriaised last year for 340,00.00 is now valued at 130,000.00 .. I owe 230

crossing my fingers

[JRScott]

Have you contacted them and seen if they'd move a payment or two to the end of the plan?

[fyi2]

hmm

No I havn't...
I am just thinking Loan Mod right now but I will add that to the list of options

[JRScott]

I'd call and ask them before you file