Person was out of work going through divorce filed Chap 7 to dismiss debts and judgments against him. Three months later bank and HOA are trying to get final judgment of foreclosure on his homestead. His circumstances have changed he can deal with the bank to work a repayment solution don't want to lose his home, his property is worth less than the mortgage (it is upside down) bank and HOA refuse to cooperate can he file a chap 13 reorganization and force the bank/HOA to negotiate a plan for repayment? Can the HOA lien/complaint be dismissed since property is upside down?
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