Cannonsburg, MI Bankruptcy Law Firms & Lawyers

This type of call is made by scammers, often located outside the United States, who seek to get bank account information. You should report the call to the local police, Attorney General, Federal Trade Commission, and Consumer Financial Protection Bureau. Do not pay. Do not provide any personal information. Ask for a writing setting forth their claim and who they are. A non-fraudulent debt collector is required to provide written notice of the debt, the business name and address of the collector, and your right to dispute the debt within 5 days of the first contact with you. Nonpayment of a debt is not theft, fraud, or a crime of any sort.

In a Chapter 13, you remain liable for your secured debts (unless you surrender the property). So if you let it foreclose, you'll be liable for any deficiency (the house doesn't sell for the loan amount - and it never does because the costs of a foreclosure are extremely high), and you'll have a foreclosure on your credit report.

You have to file a motion to reopen & pay the significant fee to do this. The motion can be ex parte. I would file the certificate with the mandatory cover sheet at the same time as you file the motion to reopen. The proposed order reopening should state that upon entry of the discharge, the clerk should close the file.