Well the options that you have are , You can sell your home or refinance when you are under Chapter 13.A mortage company can negotiate on your behalf with your lender to ease off the hassles for you.
Yes you can file chapter 13 anytime that you want. Nothing stands in the way except for a prior filing in the last 7 years.
Yes.
A Mortgage company can not help you get out of chapter 13 when your ten years is up then your be out.
Yes. That reporting to a credit agency of an item of fact, is not an attempt to collect the debt. Your not expecting you mortgage debt to be discharged are you?
no
Which company?
I HAVE ALREADY PAID 40,000 INTI THE HOME I CANT PAY ANYMORE THE HOUSE PRICE WAS LOWERD 5X AND IT WAS ON THE MARKET 456 DAYS I MAILED IN THE KEYS TO THE MORTGAGE COMPANY WITH A LETTER
By providing them with proof that you have already made all repairs.
Your trustee is the only person who can advise you. However, it has been my experience (mortgage lending) that you must first obtain the trustee's permission to refinance and I believe the full amount is always due to the mortgage company.
The grant deed and quick claim deed are very different. It is possible to get both for the mortgage company. You will need to visit a title company for more details on your specific situation.
The fastest way to refinance your mortgage would be to contact your current mortgage company. Since they already have all your property information, they may be able to help you get this done quickly.
What can a mortgage company do if mortgage has not been paid in 4 years
go ask the mortgage company.
Yes the mortgage company verifies income.