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  1. #1
    Join Date
    Mar 2008
    Location
    wheeling,il
    Posts
    2

    Default Facing Foreclosure After Chapter 7

    My husband and I filed bankruptcy and was discharge in 2006. I am facing foreclosure right now. The court already have the date. Will pevious bankruptcy cover my foreclosure thatim facing.

    I need help real bad. Please help me!

    From IL

  2. #2
    Join Date
    Jan 2008
    Location
    Alabama
    Posts
    114

    Default Re: Facing Foreclosure After Chapter 7

    If you reaffirmed the mortgage in your previous Bankruptcy (I am assuming it was a Chapter 7, you did not say), then you are entirely responsible for the debt now, and the previous Bankruptcy has nothing to do with the current situation. If this is the case, you should immediately consult a Bankruptcy attorney about filing a Chapter 13 if you are eligible at this time. You may not be eligible to receive a discharge from the Chapter 13 due to the time between filings, but going into a 13 now could allow you to cure the mortgage default through the plan, and catch up on everything, then when your situation improves and all the mortgage arrears are cured you could voluntarily dismiss out of the 13. Again talk to an attorney ASAP, don't wait any longer, once the foreclosure date comes and the house is sold, there is nothing you can do, and keep in mind even the best attorney is going to need a few days to get your case done and filed, and notify the proper entities to stop the foreclosure.

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