my mortgage and banko

[tomuchgoinon]

I have been reading in here like crazy and just registered as I have a question.

I met with a trustee last week. Our income was cut about 1/4 about 9 months ago and now all our savings is gone from paying everything and keeping current.......I cant do it anymore.

I have a big loan, visa and line of credit at my bank where I also have my mortgage. I am current with everything now, but got my big loan payment held off until July 7th. So I will have two loan payments in July. Plus, I dont have enough to pay my credit cards or line of credit.

What I am wondering - is my mortgage gets direct debitted from my account. I wont have money in that account as I dont want them taking anything to pay those bills. Once I file - and if I keep just going into the bank to make my mortgage payment can they do anything to my house if I keep current on it?? I am just so scared since its all at the same bank - and we definately wont qualify to move the mortgage anywhere.

[kenshirley]

First thing to do is stop that auto pay and get away from any bank that you owe money to.
Too many have had problems in this area and it was recommended by my attorney.
You say you met with a trustee. Did you file BK? You mean you met with an attorney? You would normally meet with a trustee some 4 week after you filed.
Call me confused.

[tomuchgoinon]

Well - sorry I didnt meet with a trustee - I met with a lady in the office who must just get everything ready for trustee. She asked me questions, I gave her all the info and she said that she would call me this week with an appointment date to meet with the trustee. I was just trying to get this written to see what you guys would say to do and was being lazy about explaining.

Anyways, I opened a new bank account at another bank for my mortgage payment to come out of. I was being extra paranoid so ONLY my mortage comes out of that account lol. I just worry since the mortgage is at the the same bank almost all my debt is at.

I opened another account at a different bank for my car insurance, car pmt and pay to go into. I just didnt want to the bank I have all the debt at knowing this information (as they would be taking my mortgage payment out).

I did call the lady from the trustees office again and she said as long as we stay up to date on our mortgage everything would be fine they couldnt touch it. But, I am just so worried about it since we will be defaulting on our payments in July and didnt want them to recall our mortgage since we owe them so much money on other things.

I am so nervous about all this! I hate it and cant wait to get started so we will be finished sooner!

[kenshirley]

Yes normally you don't meet with a trustee until your 341 meeting.
I am thinking who you are meeting with is a paralegal of some sort that is preparing things for your attorney?
I assume that you have not filed as of yet?

[tomuchgoinon]

yes - I havent filed