briana riche
e,#2UPDATE EX-employee responds
Sun, November 15, 2009
I assume by your notes that you filed chp 7bk. In any bk you must include all debts in the bk but you may reaffirm the debt you plan on cont to pay (mortgage or car for ex>) as long as the judge oks it. Your att would have gave you the paper to sign not vanderbilt. You are 4 months behind and i am sure they have sent it to legal by now to start all repo actions. You can talk to your bk att and ask for reaffim agreement. You are still paying the payments to stay in the home but are not legally required to pay and can leave at anytime since it was included in your bk so you are kinda like a renter, except if you payoff the mortgage the home would be yours as normal. They are well within their rights to go ahead and repo and you are 4 (now 5) payments behind.