I pay my bills, but just want my mortgage reduced. It would really help. How and who do I contact? My mortgage company won't talk to us.
I'm assuming your in a chapter 13 plan, not a chapter 11 for businesses. If you are in the chapter 13 payment plan and make the payments to the courts and looking to re finance your home, if you find someone that is willing to finance you, the trustee will have to have the documents submitted to the courts, it takes approx 30 days for the approval from the truste.. The first place you need to start is getting the financing, take the paperwork to your attorney who is handling your bankruptcy, and they submit that paperwork to the courts for approval. Anything financed, re financed, or having to do with any kind of loan while you are in a bankruptcy has to be approved by the trustee of the courts. They are acting like your financial advisor while in this plan and have to take into consideration your current debt that led you to go into the bankruptcy, and if you can handle a re fi or any other type of loan. Good Luck!!
