My jurisdiction is: Georgia
Thank you in advance for any advice on this subject.
I filed for Chapter 7 last year and it has been discharged but not closed due to the trustee looking at some assets. I reaffirmed my mortgage and car note. I would like to know if I am able now to file Chapter 13 to reconstruct my mortgage payments lower. My taxes and insurance went up and I am very tight again every month and contemplating foreclosure, but would rather keep my home if I am able to work something out with the lender..but if they refuse to work with me...is Chapter 13 an option right after Chapter 7 was discharged and not yet officially closed? Thanks again.
Thank you in advance for any advice on this subject.
I filed for Chapter 7 last year and it has been discharged but not closed due to the trustee looking at some assets. I reaffirmed my mortgage and car note. I would like to know if I am able now to file Chapter 13 to reconstruct my mortgage payments lower. My taxes and insurance went up and I am very tight again every month and contemplating foreclosure, but would rather keep my home if I am able to work something out with the lender..but if they refuse to work with me...is Chapter 13 an option right after Chapter 7 was discharged and not yet officially closed? Thanks again.