I posted a while back that a kind fellow at PNC bank told me that we could sell the home that we left in June in a "pain free short sale". We decided to put it up for sale against the advice given on this board. Bad call. We have an offer, and it's more than what the guy from PNC originally...

So, my Husband and I filed Ch. 7 last June and it was discharged in 8/2010. We paid the mortgage all throughout the process and intended to stay and try and sell the place this summer. Cut to 12/2010 and things changed, safety issues, security, bad element in neighborhood- things of that nature. We...

Here is my situation. I filed a Ch7 (discharged in October 2009). I have two homes, which I did NOT reaffirm. Both have had loan modifications on the first mortgages since the BK. Both have second mortgages which I have not paid on for years, but the values are so upside down they are not looking...

Hi folks,
I have never posted in the forum, but have learned so much from reading all of the information here. Long story short, I received my chapter 7 discharge about a year ago, and did not reaffirm my home. Bank of America has yet to foreclose, and they are now calling telling me to complete...

We are in a very tricky situation - one that will likely require us to file Chapter 13 shortly, and we are currently insolvent per standard IRS definitions.

Our pressing question is whether or not we are about to commit fraud by participating in a short sale of our former primary residence,...

I bought a house in 5/2008 in my name alone and in Texas. Married my wife in 6/2008.

We are closing on our short sale on 12/23 and the title company is saying that my wife has to sign due to community property laws.

Wife is freaking out because she doesn't want the...

Hello Everyone.

I filed for chapter 7... 9/30/10 and had my 341 meeting on 11/03/10 and set to be discharge 1/03/11. pacers says no distribution.

My uncle really wants me to short sale my house, I surrendered the house already on the bankruptcy, so I really dont own the...

We are in the middle of a Chapter 7 bk and are trying to complete a short sale at the same time. Have you heard of using Chapter 13 forms (Motion to Sell) and converting them to a Chapter 7 bankruptcy to send to lenders?

We are trying to figure out how to make the most persuasive case...

my question is IF i decide (for reasons i have gotten into in previous threads i have made) to try and do a short sale....how does that work if i want to file for bankruptcy right away? i dont want to save the house so i'm not going to reaffirm the mortgage....does that mean if i file and put the house...

BK Timeline

HI! Question: My 341 Meeting (California) is 2 days before my Foreclosed Home Auction Sale. Is is still posssible to do Short Sale? To do a Loan Mod? or should we just let the house "go"? Can the Bank do anything before I am officially discharged? please advise!

Hi all! Newbie from NV here. Tried looking for info, but maybe my situation is a little more 'intricate'?

Deets:

- Stopped paying 1st (US Bank) and 2nd (BofA) mortgages 12/09.
- Have been unemployed since 1/09
- House is in NV, currently $180k underwater,...

Hello,

My wife and I are seperating and we have a house that is at least $20,000 underwater. We don't want to do a BK because she was deeded family land a year ago that would be taken by the creditors. She wants to move out and leave me with a house that is underwater. Not gonna happen....

This was just a thought and worth a shot to ask my attorney.

We plan on surrendering our underwater home to the lender in our Ch.7, however what if... and this is a big WHAT IF...

What if we offer a trade to the lender? They have to accept our home as a surrender and then...

O.K. we just had our second meeting with our attorney. Decided to go ahead with Chapter 7, but when I mentioned we want to surrender our home he would cover over other things first. Then when we got to filling out the paperwork, he put down Short Sale. I don't get it! I said surrender.

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