I recently filed my Chapter 7 (no asset) and my 341 won't occur for another month. Today in the mail I received a refund check for something I didn't realize I had. Apparently there was money in a suspense account from my mortgage (which I am not re-affirming) in which the bank says it cannot apply to my mortgage because it is not a full payment.
Apparently they have held this money in suspense since September of 2009, which is the last time I gave them money as part of my original forbearance program. Along with the check, they want me to call them to assist me in "resolving this delinquency". My filing has only been a little over a week, but bankruptcy notices have been sent to all my creditors (I received my notice and all collection calls suddenly stopped).
What the heck do I do with this check? Will the trustee want the money? Surely I could use the money (heck, what person filing bankruptcy doesn't need money), but should I even deposit it? Does anyone have any experience with refunds of this nature? Will I need to file an amendment before my 341?
I left a message with my attorney, but I likely won't hear back probably until Monday at the earliest. Any help is greatly appreciated.
Apparently they have held this money in suspense since September of 2009, which is the last time I gave them money as part of my original forbearance program. Along with the check, they want me to call them to assist me in "resolving this delinquency". My filing has only been a little over a week, but bankruptcy notices have been sent to all my creditors (I received my notice and all collection calls suddenly stopped).
What the heck do I do with this check? Will the trustee want the money? Surely I could use the money (heck, what person filing bankruptcy doesn't need money), but should I even deposit it? Does anyone have any experience with refunds of this nature? Will I need to file an amendment before my 341?
I left a message with my attorney, but I likely won't hear back probably until Monday at the earliest. Any help is greatly appreciated.
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