Wow. I swear I'm driving myself nuts with all of the these "what if's" scenarios. 
I did a little reading of past postings, and didn't find a answer regarding a escrow refund BEFORE filing.....only after.
Our mortgage company (Citi) does their analysis in March--we were planning on filing in late March. (Almost positive we'll be a Ch 7)
I think we'll be getting an escrow refund this year of $1000.
Here's why.....when we moved in...the house was new construction...our escrow payments were too low the first year and caused a neg. in our escrow. They raised the payment the following year, but not enough. Last year there was was a bigger neg. and they DOUBLED our escrow payment (we pay in over $500 now)--I knew it would cause on overage this year, but now I'm wondering if we DO get a refund from them, is that going to be considered income on the 6 months look back period?
Honestly, I'd rather it go back to our escrow--because knowing them, they'll lower it too much and next year we'll be short.
I did a little reading of past postings, and didn't find a answer regarding a escrow refund BEFORE filing.....only after.
Our mortgage company (Citi) does their analysis in March--we were planning on filing in late March. (Almost positive we'll be a Ch 7)
I think we'll be getting an escrow refund this year of $1000.
Here's why.....when we moved in...the house was new construction...our escrow payments were too low the first year and caused a neg. in our escrow. They raised the payment the following year, but not enough. Last year there was was a bigger neg. and they DOUBLED our escrow payment (we pay in over $500 now)--I knew it would cause on overage this year, but now I'm wondering if we DO get a refund from them, is that going to be considered income on the 6 months look back period?
Honestly, I'd rather it go back to our escrow--because knowing them, they'll lower it too much and next year we'll be short.