We had moved out of our home about 2 1/2 months ago. We are giving up the home. We just had our 341 meeting October 6th. Our bankruptcy is not finalized yet. The bank has called us to work out a payment agreement on the house. Twice they called and we told them that we had filed BK. I gave them our case number, lawyer name, and lawyers phone number. I have had nothing sent to me in writing, just recent phone call to work out a payment plan (behind $12,000).

Last week hubby goes to the house and notice that the storm was broken into and the deadbolt (top lock) was gone. The curtains have all been open to expose that the house is empty. They put a new dooor handle with different locks. There was a note on the door stating that the house had been winterize and no trespassing.

Today we get a letter from the bank stating that the house appears to be vancant. If this is the case, we need to have vacancy insurance on the house. We need to fax them a copy of the proper insurance. At the bottom of the letter it states "The letter serves as notification that Bank Of America may enter the vacant property to make resonable inspections to ascertain its condition and security. Furthermore we may winterize and maintain heat in the property".

Hubby calls them after reading this letter. The CSR "Oh you filed BK. We don't show anything on record. We were planning to come out to the house on November 13th, but since you filed BK we will cancel that."


Has anyone have this happen to them. Have no clue what to do next.

dont do anything. after you discharge its not your problem anymore even if it takes a bit to go to auction.

Oh good. Totally freaking out regarding this. Quick question, the city is charging us $55 a month for seward costs. When we moved out, we disconnected the power, heat, and so on. When we called to disconnect our seward, they said that it couldn't be turned off. They said as long as the house is in our name, we will still get a bill. Do we still need to pay this?

Also, I have called them twice and given them our BK information. Should I be worried that they keep losing this?

they can keep sending you a bill but as long as they are on the list of creditors it will be discharged. if the house is still in your name after the discharge then you would be on the bill till after the house sells at auction.

The seward company was not on the list of creditors. We just found this out recently, about being billed. We had payed ahead of time when we were still in the house. That is why we just now got a bill. Thanks Hurricane!!!!

Thanks

amend your filing and you will be ok and youre welcome.