Flushing, MI Bankruptcy Law Firms & Lawyers

I don't see that this will affect your mother in any way. Her income should not be an issue in your case, and her co-ownership of the house is also not a problem.

A deed in lieu of foreclosure will only get the HOA off your back if the lender agrees to accept it from you. The lender may have any number of reasons for not doing this. You may wish to attempt a short sale instead, but again, the lender can refuse and leave you holding the bag.

You can file Chapter 7, when your six month average goes below the county median income level. So, two months of zero is bringing your average down. You can go back to work, after you file, however, unless unforeseen high wage income, is actually foreseen (waiting in the wings). this must be declared to the bankruptcy court. Outta of the house? After the bankruptcy is discharged, or relief from the stay, the creditor still has to go through the foreclosure process. I have clients in homes one to five years after their bankruptcy was discharged still. Amazing...