My 2nd mortgage is behind 6months because of disability they won't work with me don't want to file bankruptcy can't do a refinance credit is bad had to file ch 13 last year had it dismissed won't receiving my disability but now I am want to keep my home what can I do they want me to double up on payment for 2nd mortgage what can be done so they won't foreclose

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Originally Posted by mikey111

my 2nd mortgage is behind 6months because of disability they wont work with me dont want to file bankruptcy can't do a refinance credit is bad had to file ch 13 last year had it dismissed wont receiving my disability but now I am want to keep my home what can I do they want me to double up on payment for 2nd mortgage what can be done so they wont foreclose

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You can try to negotiate or refinance but it appears you've already attempted that.

Why was your Chapter 13 dismissed?

Your only hope is negotiating. After 6 months with no ability to catch up, I don't see that happening. Could you make an offer to pay the current month on time with a extra toward the back payments? I don't know if the offer would be accepted but it is a possibility.

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Originally Posted by JudyKayTee

You can try to negotiate or refinance but it appears you've already attempted that.

Why was your Chapter 13 dismissed?

Your only hope is negotiating. After 6 months with no ability to catch up, I don't see that happening. Could you make an offer to pay the current month on time with a extra toward the back payments? I don't know if the offer would be accepted but it is a possibility.

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They won't accept anything but a double payment which I can't afford and they bought the loan from another company .what can I do my ch 13 was dismissed because my dissability hadn't come through and I want to file ch 7 but they say my mortgage have to be caught up or pay meant satisfactory showing backpayments arrangements OK with mortgage company

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Originally Posted by mikey111

they wont accept anything but a double payment which I can't afford and they bought the loan from another company .what can I do my ch 13 was dismissed because my dissability hadnt come through and I want to file ch 7 but they say my mortgage have to be caught up or pay ment satisfactory showing backpayments arrangements ok with mortgage company

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Then I don't see any way out of foreclosure. I'm sorry.

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Originally Posted by mikey111

they wont accept anything but a double payment which I can't afford and they bought the loan from another company .what can I do my ch 13 was dismissed because my dissability hadnt come through and I want to file ch 7 but they say my mortgage have to be caught up or pay ment satisfactory showing backpayments arrangements ok with mortgage company

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what elese can be done if anything

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Originally Posted by mikey111

what elese can be done if anything

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Nothing that I am aware of - either bring the payments up to date or the house will be foreclosed. I see no other options.

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Originally Posted by mikey111

what elese can be done if anything

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what about someone to modify the loan are these companys OK

The company has to agree to modify the loan, and yes, with a chapter 7, you have to reaffirm the debt So there may not be a way.

There is not always a answer that will help everyoe