Kansas City Area Bankruptcy Firm
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Refinancing Mortgage & Payments After Chapter 13 Bankruptcy

Learn about Life After Bankruptcy with Moore & Associates, LLC

If you are completing your chapter 13 plan, and were paying a mortgage through the plan to catch up an arrearage, there are some things you need to know to make the transition a smooth one. Our dedicated bankruptcy attorneys in KS will help you through debt relief options during bankruptcy, as well as following your filing.

Questions about refinancing your mortgage during Chapter 13? Contact us online or call (913) 225-8330 for more information!

When Do I Stop Making Monthly Mortgage Payments During Bankruptcy?

The Trustee will file a pleading called a “Notice of Final Cure Payment” shortly before your case completes. This document should detail the point at which the Trustee will stop making your monthly mortgage payment, and therefore when ongoing payments will become your responsibility. It is important to read the document and understand when you need to start making your payments again.

Regular Billing Statements

It is possible that you will not receive a printed bill, or be able to access your lender’s usual online payment system. This may be a short term issue, such that you will start receiving bills after a few months, or the problem may persist longer. Feel free to contact your lender and ask them to resume regular billing statements. In any event, it is a good idea to have your loan number, payment amount and the address to send payments written down somewhere so you can send a payment by regular mail if necessary.

Transitioning Out Of Bankruptcy

Remember that not receiving a bill will not be seen as an excuse for not making your payments when the case is over, so be sure to take the necessary steps to make your transition out of bankruptcy a smooth one.

Rave Reviews from
Happy Clients

  • You brought the sunshine to my raining day.

    “Thank you so much again for taking the time out to work with me again. You brought the sunshine to my raining day.”

    Ms. T

  • An extra thank you to Hill

    “An extra thank you to Hill for his time and attention and kindness yesterday. Feeling great moving forward with this organization.”

    Mrs. K

  • I am pleased with the level of service I received.

    “I must say, I was a little apprehensive and afraid about filing bankruptcy. However, my attorney and his staff were very understanding and willing to assist me with answers to all of the questions I had. The staff showed excellent hospitality when I arrived at their office. I am pleased with the level of service I received, with the step by step guidance and what was to be expected during the whole process. I would definitely recommend Moore and Associates to anyone that I thought may need their services.”

    Ms. R

  • Doug addressed all of my concerns during my bankruptcy.

    “Doug addressed all of my concerns during my bankruptcy. Never once did I feel belittled or unimportant to him or the staff. Everyone was very kind and virtuous. My case was given great attention to detail and communication was phenomenal!!! I have already recommended Moore & Associates to friends in need. ”

    Cherie C.

  • I wanted to take a minute to let you know how grateful I am

    “I wanted to take a minute to let you know how grateful I am for your firm. I can finally see the light at the end of the tunnel and am really excited to get this put behind me.”

    Ms. S.