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Chapter 13 versus short sale

Posted on: 11th Jan, 2011 10:46 am
I was recently declined for a loan modification. The mortgage company is opting for a short sale. My question is...if I were to file for chapter 13, would I be expected pay the mortgage in its entirety, or would it be the arrears only? Also, would the payment amount change from the existing?
Hi mpnosilla,

If you file bankruptcy Chapter 13, it will help you get such a payment plan which will assist you in paying off the mortgage in entirety. The payment amount may change depending upon your financial situation.

Take care.
Posted on: 12th Jan, 2011 01:34 am
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