We are about to make our 4th trial payment. I've been told by BOA that they have all of our documents in order and our file is in review.
We met with a bankruptcy attorney yesterday and he advised us to wait to see if our modification is approved before we file.
If we are approved, can anyone tell me how long we need to wait after submitting the permanent docs before we can file? Our attorney hasn't worked with anyone doing a loan mod so he wasn't sure what the timeframe is.