Will I Lose My House?

[Rescuer]

What is the name of your state?WA

A bankruptcy attorney told me if I file for Chapter 7, I won't have to pay my mortgage for a few months. However, online it says if you are behind in your mortgage payments when filing for bankruptcy, you will lose your house. What's the truth? Thanks.

 

[bigun]

The truth is, if you file a Chapter 7 and are behind in your mortgage, you'll have to get current or the mortgage holder can foreclose.
So, what's your intention?

 

[Rescuer]

My intention is to get current, of course. Thanks for the info.

 

[bigun]

A bk filing will come with an automatic stay and will halt a foreclosure. The lender will then file for a relief from stay and then may proceed.
You really need to talk with a lawyer if you're contemplating a bk and a home is on the line.