Lockwood, CA Bankruptcy Law Firms & Lawyers

You should probably check with your local bankruptcy court to see if they require a debt repayment plan. In Washington, where I am, only the counseling certificate is required.

You will need to be served with a notice of trustee's sale and the sale can be 21 days after the notice is recorded at the County Recorder's Office. When that will be done is whenever the bank gets around to it. It is sometimes done fast and sometimes takes months. Sometimes it seems like they forget to do it. In some areas it seems like the banks don't want the houses because they can't resell them fast and they don't want to maintain the properties. They have a responsibility to keep the property secured and to cut the grass, etc. in some cities. The more expensive the house the more likely they will move fast.

If you qualify, you can change your 13 to a Chapter 7, by filing a "conversion." Call your attorney, make an appointment, and bring in evidence of new income and medical expenses. It may cost you some more money in attorney fees but if you qualify to convert, it will be worth it.