Laid off and in a bankruptcy

[Allyson Talbot]

My husband and I are currently in a chapter 13 bankruptcy. I was laid off in April and have been able to make mortgage payments up until September. We are going on two months of missed payments. I've contacted agencies in Philadelphia and was told that there were no programs to assist until I received an Act 91 from the mortgage company. I am trying to avoid having the bankruptcy dismissed because it is actually working for us, as a means to clear up our debt. Does anyone know of any programs that will assist folks in a bankruptcy who are behind in their mortgage payments due to unemployment?

[Timothy Kyle]

Allyson, I've been in your shoes. After my health issues I declared Bankruptcy while recovering to help my wife deal with all the bill collectors. Even though I'm back and healthier than ever and back as a Real Estate investor, it is very hard and at times demoralizing. The key though, I will tell you is be honest and constantly communicate your situation. Use Jawsette's advice and let the court system help you out with dealing with your bills/mortgage payment. Be honest, patient, and keep communication. Just remember this too will pass, and if you learn from this you will become stronger. I promise you that.