My question involves bankruptcy in the state of: Florida
I have been in my CHAPTER 13 for 19 months now, and have not missed one payment. I have also been current on all utility bills, car loan, student loan, car insurance etc; however, I have missed two mortgage payments. (PLEASE NOTE: those two missed mortgage payments were not consecutive, but a few months apart, and payments were made prior to and subsequently after a missed payment). I however have not had the financial means to play catch up and pay the two missed payments($3,100 total). ALSO, my mortgage was re-affirmed and not included in the Chapter 13. **reason for missed payments, 10% paycheck cut and unexpected repair bills(A/C system and car).**
MY DILEMMA OR PARANOIA IS: I just received a letter from a law firm, citing Federal Bankruptcy Law(Section 2002 g) that they be on the mailing/notification list on any and all correspondence regarding my bankruptcy, and that they also represent my mortgage company. After checking the internet on this law firm, it was evident that they are a Foreclosure Mill. I found several news articles about this law firm; also a little side note about this firm, one article stated that this law firm was being investigated by the FBI, but I digress.
Also, about 4 weeks ago I sent an application to my mortgage company regarding mortgage relief. They sent this application to my lawyer, who in turn forwarded it to me, but I have not heard anything to date.
My questions are these:
1) Is my mortgage company preparing a foreclosure, by attaining the services of that law firm?
2) Does a foreclosure affect my confirmed Chapter 13, if it happens?
3) Do I have options?
PLEASE: I know that I need to talk to my lawyer, but he is unavailable for 3 weeks(European vacation). I am seeking input and educated opinions on my situation...Thank you all for any advice.