In other words, you obtained an early discharge of your Chapter 13 bankruptcy, so the present issue with the bank has absolutely nothing to do with the bankruptcy?
Did you apply for restructuring? What information were you required to provide to the lender to verify your qualification for this program, and did you submit it? Is any of the communication from the lender in writing? Is the lender refusing to allow you to belatedly make your payments, so as to make your loan current?Quoting Ellwind
They're presently saying that, or are we hopping into a time machine and traveling back to when the issues arose during the bankruptcy?Quoting Ellwind
You previously appeared to be stating that they told you to stop making payments during the restructuring process, and are now foreclosing based upon the three payments you missed during that period.Quoting Ellwind
Your lawyer knows the full facts, and also what the bank has actually done, so whatever we tell you won't be as reliable as what you hear from your lawyer. We're not in a position to second-guess your lawyer. There seems to be more to the picture than you've told us, though, given that your lawyer is talking about going back into bankruptcy rather than trying to compel the lender to carry through on the restructuring or to give you credit for money you've already paid.Quoting Ellwind

