My Mortgage has just been referred to an attorney for foreclosure by my bank. I have previously filed chapter 7 in which the home was included. I cannot afford this home (even if they would give me a modification, which they would not). I am prepared to give the home up. I am scrambling to arrange for another place to live, but I need more time. Can anyone recommend how I might slow down the foreclosure process to give me time move. If I can buy two months I should be fine.
I live in McDowell county in NC.
Larry

If they just recently told you they were going to foreclose you have many months, maybe a year before it happens. Just stay in the home, do not move out or abandone it.

I agree, if it just went to an attorney, it will be several months at fastest and still most likely up to a year. But if this is included in the Chapter 7, why is it still going into foreclosure

... if this is included in the Chapter 7, why is it still going into foreclosure

Because the OP is behind on the mortgage payments. Evidently the bankruptcy is done; the discharge granted; and so the Automatic Stay is no longer in effect. The only effect of the bankruptcy now would be that the lender may not seek a deficiency judgment.

He was not clear about the bankruptcy, I assumed he had recently applied chapter 7. But yes if it was previously listed that is correct

AK is bang on. Chapter 7 has been discharged a while ago, tried to get a loan mod and chase is just toying with me. This was to be a two income home, only one now and can't (never should have thought I could) afford the $1200.00 a month payment. Walking away to start over debt free, and hopefully after licking my wounds will be smarter from now on. Good to know I have time. Just need a few more months and will have my new place ready to go.
Can anyone tell me once they give me the 10 day notice to vacate, what I do then (besides get out). Do I have to meet with anyone and turn over keys or anything?
Larry