My question involves bankruptcy in the state of: NJ
We are in the process of finally filing Chapter 7, I am told you need to be "current" to keep your secured debt what is defined as current, exactly to the day, within the grace period, or within the month. I called my mortgage company to find out and I was told they follow the state guidelines (?) did not know there were state guidelines, and information on this would be greatly appreciated

Anyways it was not until we were 3 whole months behind that they sent out the repo man sometimes in the middle of the night to get the car. My spouse comes in one morning and said - "they got the car". I said, "Oh ok, took them long enough!"