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I do think your questions sound like loan modification inquiries as opposed to bankruptcy issues. Bankruptcy stops foreclosure. However, if you’re not a posture to pay the common regular payment to the mortgage loan then a chapter thirteen won’t work for you. If you can make the normal payment on the property finance loan however , you’re even now at the rear of many months, you would have to have the capacity to pay out the arrears off over a sixty month period.
To get a 2nd to foreclose, it just needs to repay the 1st. It doesn’t make a difference in the event you’re latest or not. I do think the issue is always that you might not know who The existing holder of your property finance loan is. It'd be Wells any longer.
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