Salton City, CA Bankruptcy Law Firms & Lawyers

Usually just done for nonpayment of plan to repay loan, but that should be a chapter 13 not a chapter 7. You should have filed a 13 with a plan to repay back mortgage p ayments over 60 months.

You are welcome to seek a second opinion, but typically one an order is signed confirming a Plan, the amounts that need to be paid to creditors have been determined & are written in stone. While you can ask for a temporary reduction in plan payments due to a loss of income, you often have to make up the missing amounts down the road. And submitting and having another plan confirmed is not simply a matter of snapping your fingers and making it happen. The amended plan needs to be noticed to all of your creditors and a court appearance to confirm the plan is required. If you are willing to pay your attorney for this additional work, great, but don't expect your attorney to do this additional work for the base fee provided. The attorney's work is basically completed once an original plan is confirmed.