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

  • I will recommend Moore & Associates to everyone!

    “Lisa, thank you very much for sending the message about the Confirmation Hearing. This process has gone so well, and I know that I couldn't have done it without everyone at Moore & Associates. I have been more than pleased with the service and so blessed that God placed you all in my path to help me. I will recommend Moore & Associates to everyone. Again, I thank you!”

    I will recommend Moore & Associates to everyone!

  • 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

  • I really appreciate your help.

    “The judge ruled that they give me back the cost of the car plus court fee. It was a long process but God helped me through all the steps by providing people like you to help me out. I really appreciate your help. God bless!”

    Ms. F

  • I was impressed how you handled everything professionally and quickly with my case. I will continue to refer people to you. Thank you so much!

    “I was impressed how you handled everything professionally and quickly with my case. I will continue to refer people to you. Thank you so much!”

    Mr. G.

  • You treated me with professionalism, kindness and respect.

    “I am so grateful for your compassion and understanding. I was an emotional wreck when I walked into your office. I had $20.00 in my pocket and an empty gas tank. You treated me with professionalism, kindness and respect. Thank you!”

    Ms. P