We filed Ch. 13 1 year ago. We've been making our payments to the BK courts trustee faithfully. We did not include our house in the Ch. 13 because we didn't want to loose it. Well since we've filed its been really hard for us. Our mtg. payments is too high for us and we make our payments every other week to the trustee...leaving us with almost nothing at all. I have MS and there are times I can't get my medicine so I get sick...then there are times we can't get groceries for 2-3 weeks at a time...we're struggling. Back in Jan. we received a letter of petition that the Bank was starting foreclosure procedings...we were shocked to say the least...we didn't know why after all we were making our payments...it turns out that they never cashed Nov & Dec payments which made it look like we were late...it showed the money was still in our account. But we spoke to someone at the bank and she took the payments electronically and that is how we do it now...so it is never late and they can't say anything. But it must have gone to court and now they're saying we owe the Banks attorneys a $500 fee...I'm really upset about that because I feel they did this on purpose and I'm not paying another $500 to anyone...I don't have it first of all and it's just wrong what they did. Anyways...we have decided to move...sell our house hoping to get more than what we owe so we can use the extra for a downpayment on a new house which would be less in mtg. payments and make it easier for us to live and survive. I hope I'm explaining this right. I know I need permission from the courts to sell my house but if I do sell it for more will they take the extra money and put it towards my Ch 13. or will I be able to use that for my downpayment? And if we can use that and do buy a new house where the payments are less and all do they up my payments to my Ch. 13? I mean really...we can't survive like this...what do they want us to do be homeless or something? They just don't care...I'm trying to make things right and better for us and this would help. Please any advice or suggestions or help you can offer would greatly be appreciated. Thank You So Much