I have just paid off my chapter 13 mortgage and I understand that it will take about 4 months for the final paperwork. In the mean time, we have fallen behind in the mortgage and the mortgage company has filed a stay of relief. We have a company to purchase the house and save it for us, but we understand that in NJ we would have to petition the court in order to sell the property. Now the hearing for the Stay of Relief is set for the 17 of January. If we were to wait till the 17th and the courts granted the Stay, would that mean we are free to sell the house without the permission of the courts before the mortgage company could forclose?
Desperately need advice!!

