With a chapter 13 your credit stays frozen in the crapper while you are paying debts back so no real benefit there.No legal advice given. 

I know I had 450 loans out that 90% got frozen and we had to do work outs or my clients lost all their equity selling..   

Now picture water gushing out of that toilet, unrestricted, until someone notices a frozen river creeping down the street.

Have you thought about how you would pay back the lender or protect your own investment/equity if an accident occurred like a total loss fire, frozen pipe burst, or some vandals found out the property was vacant and under renovations? 

While I have not had a client who has had their credit frozen in quite some time, I expect this will change in the coming months. 

While I have not had a client who has had their credit frozen in quite some time, I expect this will change in the coming months.The process is fairly simple to thaw your credit.

Do you want to deal with frozen pipes, pipes that burst and flood the house with water. once it warms up?

Did you buy some frozen pizza and fill the order?

Then offer to pay their 2011 taxes when I buy their property) -Winter maintenane ("Snow removal, frozen pipes, high utility bills, you ready for winter this year?!")

Gotta have AWD up here in the frozen tundra (I mean NH).