Wynantskill, NY Bankruptcy Law Firms & Lawyers

Okay, it's a common misconception that debtors in bankruptcy can pick a choose what debts are included in their bankruptcy. All of your debts are automatically included in your bankruptcy, you did sign a statement listing, under penalty of perjury, all of your debts. I assume this included your mortgage. A debt can only be reaffirmed while the bankruptcy case is open. (Okay, there are some special circumstances where the court will let you re-open the case to reaffirm a debt, like when you mailed the reaffirmation papers but your wife forgot to sign and you didn't find out about the mistake until after the case was closed. Other than being declared incompetent and spending the past four years in a mental hospital, there is no way the judge will re-open a four year old case.) After the bankruptcy is closed, the lender is forbidden to take any actions to collect the discharged debt. It is also forbidden for them to accept an informal reaffirmation (that is, one that didn't go through the court) and that's exactly what a refinance would be. Bottom line, you can refinance with another lender but your current lender can't do a refinance.

I do not understand what you want to know. Maybe that is why you cannot get a clear answer ? no one understands your question. The 341 meeting is unlike to go on for more than 30 minutes, so he should be able to have enough time to prepare himself for the wedding.