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    bilaskarena's Avatar
    bilaskarena Posts: 5, Reputation: 1
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    #1

    Aug 5, 2009, 02:16 PM
    Chapter 13 Catch 22
    I am a homeowner that had to declare chapter 13 bankruptcy two years ago after losing my job of 10 years. I am current on my mortgage payments. It is becoming difficult to pay for my mortgage and the chapter 13 trustee. I contacted my lender and because I am in chapter 13 I must get permission to refinance. This will cost me $1000 just to have the paperwork filed with the court.

    How can I afford to ask permission when I am having money problems now? I am currently employed but I had to take a $17K salary cut. My husband is on social security benefits but it is a very small amount that he receives monthly.

    Is there any way that I can get help without having to put out money that I don’t have? Any suggestions would be greatly appreciated!
    AK lawyer's Avatar
    AK lawyer Posts: 12,592, Reputation: 977
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    #2

    Aug 5, 2009, 02:24 PM
    Quote Originally Posted by bilaskarena View Post
    This will cost me $1000 just to have the paperwork filed with the court.
    $1,000 is what your attorney is asking to do the work?
    bilaskarena's Avatar
    bilaskarena Posts: 5, Reputation: 1
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    #3

    Aug 6, 2009, 07:17 AM
    Yes, outrageous isn't it?
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #4

    Aug 6, 2009, 11:26 AM

    You can find another Attorney. I see no other way around this.

    Or do the paperwork yourself but I don't see that being successful.
    AK lawyer's Avatar
    AK lawyer Posts: 12,592, Reputation: 977
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    #5

    Aug 6, 2009, 12:54 PM
    Quote Originally Posted by bilaskarena View Post
    Yes, outrageous isn't it?
    Is he asking for that $1,000 as an additional retainer (advance against fees)? If so, will he bill you by the hour?
    bilaskarena's Avatar
    bilaskarena Posts: 5, Reputation: 1
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    #6

    Aug 6, 2009, 04:15 PM
    That's the total amount.
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