In most bankruptcy courts, the lien is not permanently stripped until you complete the plan and get a discharge. You need not worry about the increase in property value.
I woudl talk to you attorney about the feasibility of closing the plan out early.
You haven't provided enough information, but failing show up at the meeting of creditors won't necessarily guarantee dismissal of your case. Your could find your assets being sold off AND being denied a discharge.
You need to meet with your attorney and discussed whether or not it would be possible to change your exemptions to protect more of the equity in your home. You also need to discuss whether or not conversion to a Chapter 13 is feasible.
The exact procedure will vary depending on the court. Down here in San Diego, the trustee would typically get the information about the pay increase and file a motion to modify the plan. The trustees have computer programs that allow them calculate the increase in payment and thus the corresponding increase in what goes to the unsecured creditors.
It is up to the debtor or debtor's attorney to object to the requested for a modified plan if appropriate. You may may have had an increase on...
The timing of your bankruptcy is the key. There several complex rules regarding the type of taxes and when they were do that govern whether a particular tax debt may be discharged in bankruptcy. You need to consult a local bankruptcy attorney on this issue. File your case too soon and you may end up being stuck with tax debt that could have been discharged.
Delaying the sale while they monitor the bankruptcy is specifically allowed under case in the 9th Circuit, which includes California. it is pretty common for people filing a "barebones" bankruptcy to stop a foreclosure only to see it dismissed later.
You are wise to monitor the foreclosure date. Make sure you keep current on your payments and provides all documents needed by the trustee to avoid dismissal.
Well that's certainly a new one. I've accepted payments via PayPal before, but i sure wouldn't have a client send them to a person in another state. Are you sure the person is really attorney? Did you check them out to on the website for the California State Bar?
A bankruptcy discharge removes the personal liability for the debt, but it does not automatically remove judgment liens. If the judgment lien impairs an exemption, you can file a motion under section 522(f) of the bankruptcy code to remove the lien.
Suppose you own a home worth $200,000 and your mortgage is 180,000. If you have a $10,000 judgment lien on the house, that interferes with your homestead exemption and you can remove it by filing the 522(f) lien avoidance motion.
The tax refund is an asset that you must list in your bankruptcy papers. In order to keep it, you must claim it as exempt on Schedule C. Only an attorney familiar with you situation and the exemption laws available to you an answer your question about whether you have any available exemption protection money to keep the refund.
Mr. Riddle is spot on when he says it will cost far less than the $5000 you stand to lose to hire an attorney to answer this question.