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What is the best way to get your loan current with Chase?
We are now 3 months behind on our loan and owe several years of back taxes. We have arranged a sale of some of our property to catch up the back taxes, however the bank that owns the mortgage is stopping the sale. I work an office job making very little, my husband work is in construction which is now down the tubes. We have had financial problems in the past and file ch 13 but had that dropped due to the payments not going to pay the property taxes that were behind. We believe that we can make our payments if we could start with a clean slate, I am interested in seeing if a Ch 7 bankruptcy would help us at all. I am at a loss for what to do now.
to bring it current,if i could lower payment for 6 months and then catch up with payments slowly?