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Question
We have filed 13 and paid for 21/2 years my husband lost his job due to downsizing. we didnt file on our house . Now they want to dismiss us and maybe convert us to a 7. I want to know can they make us put our house in the 7 even though we dont want to file on it ?
Hi Kelly. Your house actually was 'in' the chapter 13, but the plan said you would make direct payments on it. With chapter 7, you can reaffirm the mortgage to keep the debt, and thereby keep the home. You usually need to be current to reaffirm, so you want to focus on the mortgage payments.
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Bankruptcy Law
Answers by Expert:
Terry Leeders
Expertise
Handles Chapter 7 and Chapter 13 bankruptcy cases.
10 years of extensive bankruptcy experience. Filed over 3000 cases
Chicago Bankruptcy Lawyer website
"One On One Personal Service You Deserve"
Experience
I have been practicing bankruptcy law for 10 years. I have helped over 3000 consumer bankruptcy clients in that time.
Organizations
Chicago Bar Association
Illinois Bar Association
Publications
author of Chicago Bankruptcy Blog
Chicago Chapter 13 Bankruptcy Blog
Illinois Bankruptcy Law Blog
Fresh Start Partners
Education/Credentials
University of Illinois
Thomas M. Cooley Law School
Chicago Bankruptcy Lawyer website
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