I went into a chapter 13 in Feb 2006. During that process, I lost 1/3 of my income when my disability was stopped for review. That is a whole other fight that has been going on for years.
After notifying the BR attny, he said to keep making the payments to the BR court. So that continued for two more years while keeping up with the mortgage payments. I didn't start to get behind until last Summer. Now I'm about 2 months behind.
According to
CW, I'm in a workout but they can't talk to me until the status on the mortgage gets changed from BR to normal(?). It was discharged in Jan. this year and they have the Discharge Order I faxed them. It's date is the 20th of March.
1st and 2nd mortgages combined come to about $1500 per month. Not a lot compared to some I know, but I only have a $3000 per month income. I have cut all expenses everywhere they can be. Have a phone interview with NACA tomorrow morning. Will see where that leads. I also have a request in with
CW for a straight up refinance and they are supposed to call sometime. Not holding my breath on that one.
Will keep all posted as it happens.