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Answered 2005-12-10 23:39:40

There are many lenders including FHA that you can do a refinance through after or even during a chapter 13. With FHA from the time the chapter 13 is intituted the owner of the property must make on time payments for one year. During the chapter 13 the new loan amount must equal the present payment. As for your mothers debt if the home is liened they must be payed off at closing unless you can go to court and prove the creditors had no right to lien the property. A very expensive and time consuming proposition.

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