Filing Ch 7. Court date is end of June. I recently paid May's mortgage payment but cannot pay June's until the second week of July, in which I will be able to fully catch up AND pay July's. Do I have time after the court date to get current before my lender tries to start foreclosure, or if I'm behind on the day of my court hearing, will I lose my house?
Your bankruptcy case won't be eligible to close until the end of August. Although your mortgage company could file a motion to lift the bankruptcy stay, any hearing on that motion would be at least one month away.
Why not contact your mortgage company & make payment arrangements with them? It can help if you keep communication lines open. Also, you may want to look into a mortgage loan modification. I have posted a 4 part video series on this topic at the link below.
Hope this perspective helps!
It is very unlikely that you would have a problem.
Assuming that the lender has not yet filed a Motion for Relief from the Automatic Stay, the non-payment should have no impact on your bankruptcy case.
One thing I would encourage you to do is to find out ahead of time where to send the payment. Now that you are in a BKC, the creditor may have a separate unit set up to deal with payments coming from those persons in BKC.
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Chapter 7 Bankruptcy Attorney
Attend your 341, and as long as your case doesn't get dismissed, your bank will work with you, but remember money talks. Save every penny and be ready to pay in full as soon as you can. I know a house is more than four walls and a roof, but look hard at your finances, and if the house has no equity, then seriously consider walking away and starting totally fresh! Oh and remember to take your Debtor Education course and file it with the Court! Best of luck to you.