Hamilton, CO Bankruptcy Law Firms & Lawyers

Since you have an unreaffirmed debt, you're not personally liable but the bank still has a lien on the house. They can make any charges that are permitted in the mortgage. So if they're allowed to charge PMI by the terms of the mortgage, it's not prohibited. It's illegal to reaffirm after your bankruptcy case has closed. It's illegal for change the terms of the mortgage, even if you agree, after your bankruptcy case is closed. The bank is also prohibited from taking any action to collect from you, some banks refuse to even communicate with you to avoid any possible allegation that it was a veiled collection action. Generally, I advise clients in your position to refinance with a different lender (a refi might be interpreted as an illegal reaffirmation so the same lender can't do it).

I would suggest you contact the state association that regulates attorney conduct to file a complaint about this situation. Frankly, to prepare your bankruptcy will require a lot of all new information as everything you may have submitted in the past is now expired & out of date. If I had to guess, I would say this attorney has never handled a bankruptcy before and hasn't got a clue what to do now that s/he has to perform.

There is no minimum amount of debt required to file bankruptcy. The question is whether is whether you are unable to handle your debt without filing bankruptcy.