집은 not가 온 상태이고 뱅크럽시 준비중입니다. - ASK미국

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h**aumaba**** 님 답변 답변일 11/2/2009 1:40:44 PM

I plan to file within 2 weeks. Do you think there's still a chance to modify my loan?

S**enad**** 님 답변 답변일 11/2/2009 4:50:46 PM

그동안 주위계신분들도와드리면서 얻은경험인데요. 개인파산 -찹터 7하셔도본인 거주지는 보호됩니다. 요새는 숏세일도 4개월에서 6개월걸립니다.. 꼭집만날리실거라면 개인파산은피하시고 솟세일해보고,은행에서거부되면,마지막단계로 개인파산 -찹터 7 , 그렇게하시면 더오래사실수있읍니다. 숏세일이 들어간중에 경매날짜가잡히면 60일정도 더 연기할수있읍니다. 더궁금하신거있으면 이메일과 날려주세요. lifewisdomnow@gmail.com

S**enad**** 님 답변 답변일 11/2/2009 5:04:33 PM

When you file chapter 7, you have to put Loan Modification as wish list for judgement. Please discuss your plan with bankruptcy attorney and then loan modification as later step. I have worked with Bankruptcy / loan modification attorney

h**aumaba**** 님 답변 답변일 11/2/2009 5:14:31 PM

I really can't decide what to do because if i include the house in filing bankruptcy, i can't keep the house.
But if I don't include it and apply for modification, and later denied for modification i will be liable for my home equity line of credit which i'm only paying interest on. Bottom line if i'm going to be denied for modification, 1st and 2nd mortgage added will be too much and it will be too late after filing bankruptcy to include them. I started to fill out the forms for modification, but since my husband is self-employed, it doesn't look so promising. I really don't know what to do...

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