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Bankruptcy question

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cbrown3301

Junior Member
What is the name of your state (only U.S. law)? Indiana
I am in the process of filling ch 7. Since the case was filled my mortgage and credit card companies will not let me make payments online. If I don't make payments on my house( which i did not include in the bankruptcy because I want to keep it) will they just want a lump sum when they do start to accept payments again. Or will I just make regular payments at that time?
 


Mass_Shyster

Senior Member
If I don't make payments on my house( which i did not include in the bankruptcy because I want to keep it)
"not including" the house in the bankruptcy is the wrong procedure. Everything must be included.

You may be able to exempt the equity you have in the house, but it still must be listed.
 

bigun

Senior Member
You need to contact your lenders bk dept. immediately and find out the mailing address to submit payments. You won't have online access until the bk is discharged and closed. Your lender won't take a chance of being in violation of the automatic stay that prohibits collection during the bk.
I'd agree with the previous poster. You must list all creditors-you can't pick and choose. You likely mean you intend to either reaffirm or retain and pay post bk. Either way, the mortage was listed.
BTW, why are trying to make payments on unsecured debt that will be discharged like, credit cards?
 

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