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  1. #1
    Join Date
    Jan 2007
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    Default Possible to File Chapter 13 After Chapter 7 Discharge

    Back in '02 my wife lost her job and we had to file a CH 7. It was discharged of that year and at the time we reaffirmed on the mobile home, cars etc that we had.

    We have been trying to sell the mobile home for a couple years now with no luck. We contacted the mortgage company and they came out and appraised it at 25-30k but we owe 42k on it. There is no way we can sell it for what we owe so we inquired about a short sale. They said we need atleast 75% of the money to be considered.

    We got an offer on the house for 23k and have applied for a 10k personal loan to make up the 75%. I called and offered them 30k (minus real estate fees) for it and they are playing hardball with us now.

    Is it possible for us to file a CH 13 on the mobile home only and not anything else? I do not want to loose my new home, cars etc..

    We do not live in the house anymore due to job changes and relocation. I am still paying on the house, lot rent and utilities and cannot afford it anymore.

    Thanks for the help!

  2. #2
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    Sep 2005
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    Default Re: Possible to file CH 13 ?

    You should be eligible for Chapter 13 bankruptcy.

  3. #3
    Join Date
    Jan 2007
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    5

    Default Re: Possible to file CH 13 ?

    Quote Quoting Mr. Knowitall
    View Post
    You should be eligible for Chapter 13 bankruptcy.

    Thanks, but does anyone know if it's possible to file CH 13 only on certain things or do you have to file on everything then reaffirm what you want to keep ?

  4. #4
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    Default Re: Possible to file CH 13 ?

    Have you read about Chapter 13 bankruptcy?

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