Loan Mod - Before,During, or After CH.7
Hello,
My husband has been laid off and we are receiving unemployment benefits. We want to get a loan modification to lower our mortgage payments. We will be filing Ch. 7 and will not be reaffirming, though we want to keep our home by continuing to make the mortgage payments. We are California residents. My question is, should we wait until we have our loan mod finalized in writing before we file Ch.7? Could we file during or after the loan mod process without negative consequences? Thank you.

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