My question involves a foreclosure in the State of: Washington
I was granted a Home Modification in June. The payment went down from about $2500 to about $1500. The next month (July) I filed for Bankruptcy. I did not re-affirm the mortgage. I continued paying the mortgage payment even though the debt was discharged. Then I could not make December's payment and also January's.
I received a notice of Default on January 5 which notified me that if I do not cure the default by 2/5/2011 "may result in the acceleration of all sums due under the Security Instrument".
What is the timeline for me to have to leave the house, assuming I do not make any more payments? Somewhere it mentions "the first date of default".
I don't know what having the mortgage discharged means to my situation. I called the mortgage company (Citi) and someone there said I was not responsible for the debt (?) but that I could continue to make the payments and keep the house.
How long do I have to get out of the house assuming I can't or don't want to make further payments? Does it matter that this debt was discharged (i.e. could they make me move sooner than if it had not been discharged)?
Can I get my payments back that were made both during the bankruptcy or payments made after the discharge in the bankruptcy, if the debt was discharged?
I called and they offered to allow me to make larger payments over the next 6 months to make up the deficiency-irrelevant if I decide to leave anyway.
I don't know if my situation is common. I just want to know my options.
Thanks in advance, Fred