Behind on house payments after filing Chapter 13

It has been one thing after another and I am 2 months behind on my house payment. My mortgagee has written to the Chapter 13 Trustee requesting a Motion for Relief from Stay. Other than the obvious, somehow catching up my payments, do I have any shelter ffrom foreclosure?

Foreclosure and Chapter 13

My home is scheduled to be foreclosed on very soon, I have attemtped to work the situtation out with my mortgage company. They have agreed to a repayment plan, however my new monthly mortgage payment will go from $1100 monthly to $1950 monthly. I cannot afford to pay that, but I can't lose my home. If I file Chapter 13 will this stop the foreclosure?

Typical duration of Chapter 7

What is the average timeframe from start to finish for completing a Chapter 7 bankruptcy?

bankruptcy of student loans

I recently read on the TSAC site that student loans which are a true hardship may be discharged in bankruptcy. Mine were high, $71,000 but made impossible by added charges for defaulting( I thought all were deferred while i was in grad school)I have a hugh wage garnishment and whopping balance of about $100,000 in student loans. TSAC wants $1000+ a month if I want to get away from a garnishment.They report this amount on my credit as my payment($1000+)when in fact it is about half that! (I have paid every month for 7 years but my credit is still screwed up! Credit Bureaus/FTC cannot/will not corect this!) That's more than half of my income. Could bankruptcy eliminate this debt? What can I do?

chapter 13 bankruptcy

I am currently under the Chapter 13 Bankruptcy in NC...I pay my trustee monthly and maintain my mtg payments...If I sell my home currently owing 70K and wish to purchase another home what happens to the bankruptcy both with profit and also without a profit?
I am obligated for 3 yrs to the chapter 13 having filed in Feb of this year.

converting chapter 13 to a chapter 7

i filed a chapter 7 in july 2000 and was discharged in nov 2000 i filed a Chapter 13 august 2006 my payment is to high with our big house payment so we deeded the house back can i file a Chapter 7 ?
we filed the 13 to save our house but then our house payment went way up by $400 a month we cannot afford this

not enough money to file a chapter 7

I do not have enough money to file a chapter 7. I'm being threatened with garnishment. How can I afford a chapter 7

Extra Funds in a Chapter 13

If you file for a Chapter 13 do you have to put your income tax return towards paying off your debt?

Chapter 7

My questions is my husband fell ill and we have to convert to a chapter 7, I have my car that I had paid for before we were married it is the only vehicle we have left, can the court take the vehicle? even though it is the only one we have, I drive it to work and to take my spouse to his Doctor appts, this would leave us without any transportation at all. Is this allowed??

Builder Unable to Sell House

I was a builder, and finished my last house in January 2006. The asking price for the house is $449,000, and I have been unable to sell it. I am getting further and further in debt paying the interest charges to the bank. I do not own property, have a 2000 truck, and a few househould goods. What should I do?

Will my bankruptcy affect my fiance?

I am in the early stages of bankruptcy. Will my bankruptcy show up on my fiance's credit after we are married?

Individual Bankruptcy

Although I am married, I have a sole proprietorship. My debts are all business related. Can I file independently without interfering with my wife's or family's finances---things in her name or in both of our names, as opposed to the business debts?

Chapter 7 Bankruptcy - Time Limit on Filing Again

I filed for Chapter 7 bankruptcy back in 1999 discharged in 2000. Now I have major medical debt due to traffic accidents w/o insurance. I resided in Florida when this happened now I reside in Indiana. How long before I can file again and in which State do I file?

Thanks

recorable order for my car after my chpater 13 bankruptcy is finished

My Chapter 13 Bankruptcy will be finished Feb 2007. In my ltr from my attorney he said I would need a recordable order for my car in case I ever tried to sell it so that when they research the title itcomes up cleared. He wants to charge me $525.00 to do this adn if I wait until I would decide to sell it, it would be an additional $155.00 o re-open adn file it at that time. My question is this, can I do this adn thru whom, does it have to be by my attorney. It could be years before I decide to sell to sell it. Is this necessary?????? If I can do it myself, It would be better. Please advise.

Future husband filed bankruptcy 2003

My credit is excellent; obviously my future husband's is not.
Once we are married; I change my name, will this previously filed bankruptcy of his effect my credit?

bankruptcy

Is it possible to have an established Chapter 7 bankruptcy dismissed before the time cited by the courts?

Is conversion from chapter 13 to chapter 7 possible?

I have just completed the first year of my 3-year Chapter 13 bankruptcy. I was told by an individual in the legal profession that because of my unique set of debt circumstances that I could petition the court to convert my Chapter 13 to a Chapter 7.

I am working and making my payments via employer payroll deduction and can continue without difficulty. However, if it is possible to get a "fresh start" by transferring to a Chapter 7, I would prefer to do so.

Although my vehicle was named in the bankruptcy, I am still making regular payments on it and my home.

Is it possible under the circumstances I've outlined to petition the court for a Chapter 7 instead of a 13?

NO KIDS JUST CREDIT DEBTS

I AM SINGLE. NO KIDS. WANTING TO GET RID OF CREDIT CARD DEBT.WHERE DO I START. WHAT IS IT THAT I WILL NEED TO START, AND WHERE DO I GO.

Creditor Reporting Discharged Item

Is it legal for a creditor to report an item on a credit report that has been discharged? If so for how long and if not how can I have the item removed?

Credit Card Debt

My husband and I now have about $47,000 in Credit Card debt. We were ok before Hurricane Katrina and then over this past year have come across hardships. Currently we are not bringing in enough money to pay even our living expenses much less minimum payments. Not long after the hurricane I had a very bad pregnancy and was put on bed rest. I then had a pre term baby whom is home on a breathing monitor. The fact of the monitor prevents me from making the income I was making to meet our bills. My husband and I have tried everything to keep our head above water and we have now gotten to the point that we were late on two payments last month. We went to debt consolidation credit counseling and were told that we couldn't do that due to the lack of income. They told us to seek legal advice. I am still unable to work or find childcare at this time due to the monitor my child is on. We can't afford for the credit cards to continue to go unpaid. Where should we go from here?

Chapter 13 question

If one has filed a Chapter 13 Wage Earner Plan and is already making payments with the Trustee will they be debt free at the end of the 5 years their lawyer stated. Will they be liable for any late payments, or in this instance a balloon payment was on a loan. The party was not delinquent on any bills when this was initiated. Loan payment bills are still being sent showing several thousand dollars in late fees and I don't understand why. This is the only creditor contacting the party with monthly statements. Payments are being made but the principle is not going down on the statement.

credit card bills

I have 4 major credit cards. After moving to another state I racked up $25000 of debt. My rates increased from 9%/11.99% to 29.99%. The credit company informed me they can increase my rates when they feel like it although I have never never made a late payment. Ive called three times to get a reduction...no luck. Should I file Chapter 7 bankruptcy??I cant keep paying $1000 a month to have it only apply to interest. The cards will never get paid off.I have been declined for a personal loan twice. I make about $6-$8 thousand a month but it barely covers my bills. What can I do??

Should seniors go bankrupt?

I have no assets, only 43,000.00 in credit card debt. We are seniors with not a lot of time left, but need to take action on getting our debt cleared. We have used credit cards for moving expenses and medical. Basically we have nothing to lose. We want to pay our bills and have been talking with consumer credit counseling but we are not sure that is the way to go. What would be our best way? We have been using gift money from our 50th to sustain us.