angelal319
Junior Member
What is the name of your state? Missouri
My husband and I are going through a Chapter 7 bankruptcy. We have already had the 341 meeting where the trustee said she was going to require our 2005 taxes and then we had to make an agreement to pay a small amount over the next 12 months. The problem is that our mortgage company just filed a release of stay so that they can proceed with foreclosure. When I first met with my attorney, I told her that we were 2 months behind and she said to contact them and see if we could work out a deal to catch up. I did this and filled out paperwork, sent it in, but never heard anything from them. I called, but couldn't get a call back on the matter. Then all of a sudden, they are foreclosing. I'm wondering if the financial stuff I filled out for them could have told them that we couldn't afford it, so they are just foreclosing. Anyway, now I don't know what to do and what our options are. My attorney laughs at me everytime I ask a question and treats me like I'm and idiot for asking, so that's why I'm coming here with this one. Can we still switch to a Chapter 13 at this point? Can my attorney negotiate an arrangement to pay back? She says we only have a week to decide what to do- but I don't understand all of the options we have available. Obviously paying the lender in full- but what if we can't do that?
My husband and I are going through a Chapter 7 bankruptcy. We have already had the 341 meeting where the trustee said she was going to require our 2005 taxes and then we had to make an agreement to pay a small amount over the next 12 months. The problem is that our mortgage company just filed a release of stay so that they can proceed with foreclosure. When I first met with my attorney, I told her that we were 2 months behind and she said to contact them and see if we could work out a deal to catch up. I did this and filled out paperwork, sent it in, but never heard anything from them. I called, but couldn't get a call back on the matter. Then all of a sudden, they are foreclosing. I'm wondering if the financial stuff I filled out for them could have told them that we couldn't afford it, so they are just foreclosing. Anyway, now I don't know what to do and what our options are. My attorney laughs at me everytime I ask a question and treats me like I'm and idiot for asking, so that's why I'm coming here with this one. Can we still switch to a Chapter 13 at this point? Can my attorney negotiate an arrangement to pay back? She says we only have a week to decide what to do- but I don't understand all of the options we have available. Obviously paying the lender in full- but what if we can't do that?