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Bankruptcy Category

Who Owns My Mortgage? The Complicated Truth

Many homeowners are surprised to learn that their monthly mortgage checks are not sent to the owner of the mortgage note. The company that receives your payments is likely the servicer of the loan, and not the legal note holder. This distinction is important when you need to modify or change the terms of your […]

How long does a bankruptcy take?

The chapter 7 bankruptcy petition takes 90 days, plus 10 days for the appeals period to expire for a total of 100 days until the discharge of your debts in granted by the court. The reason for the delay period is to give creditors the opportunity to object to your discharge under 11 USC, section […]