• Edward Hanratty

This is an example of how litigation and bankruptcy can effectively work together.

Updated: Jan 27, 2020

The story on this is the lady fell behind on her mortgage, according to the lender, but the lender did not realize that part of her loan agreement required her to pay her own property taxes, so the lender was paying them, taking them out of the regular monthly payment, causing her, on paper, to fall behind. She went to a lawyer other than us, who had her file a chapter 13 bankruptcy, that was designed to pay back money she didn't owe. She was unhappy, sensed something was not right, came to see us, and yes we did have to file a lawsuit to convince the lender of these facts, but we ended up getting her a better mortgage than her original mortgage was, even if all had gone swimmingly.

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Its also a pretty useful article, so worth the time to read it if you want to know how many times, or when, you can file bankruptcy.