I filed chapter 13 back in Nov 2011, and am now faced with a difficult decision regarding whether or not I should walk away or keep my home. I hope someone can fill me in on any advice you might have or personal experiences. I filed chapter 13 with a matured balloon mortgage and now my bank wants to claim the whole amount into my bk payments monthly since I technically have no mtg. I have a court date in a few weeks and my lawyer says I only have a few options. Surrender the home to the bankruptcy and either walk away or maintain payments and possibly look for a modification or a refi. Since I have been denied a modification in the past and I refinance with another bank could be rough however i did speak with another bank and they said they could do a refi but only a year from my chapter 13 filing. So either gamble and throw money into a mortgage that might not be refi'd with time being a factor, or just walk away. The only think keeping me from walking is that i'm only around 20 to 30 thousand underwater and the house is in a good school district. If I walked I probably wouldnt afford rent in the same area and I dont know how difficult it would be to get a new loan for a new house since i'm still in a Bk. If anyone can help with any advice it would be greatly appreciated. Thank you

