Laredo, TX Bankruptcy Law Firms & Lawyers

These are weighty decisions which cannot be made by email advice. You would benefit most from consulting a lawyer who practices both family law and bankruptcy and there are a fair number of them around Wisconsin.

There are a large number of forms that you have to use. The specific forms that are applicable to your question are that you must file a statement of intention listing that you want to reaffirm your mortgage, and then request and file a reaffirmation agreement with the court. The creditor can typically prepare the agreement for you to sign. Bankruptcy is a complicated legal procedure and I would highly recommend retaining an attorney to make sure that everything is filed correctly.

Since Chapter 13 means that you'll have a relationship with your attorney for the next five years, I'd recommend that you find a new attorney that is more responsive to your needs. It might not cost you anything, by failing to communicate with you (it's obviously BS that an email was sent that you didn't receive, there is no such thing as a lost email), didn't get your schedules filed on time and didn't fully and completely explain the schedules he wanted you to sign and didn't explain what will happen in a Chapter 13 - he's violated the requirements of a bankruptcy attorney. I recommend that you tell him that you're going to get a new attorney and demand that he refund everything that he paid you. When you ask for a refund, tell him that if you don't have your money back today, you'll file a complaint with the US Trustee's office. The US Trustee's office is responsible for policing bankruptcy attorneys and he knows (or at least every competent attorney knows) that he's screwed this up and the US Trustee will force him to repay your fees and possibly cause him additional problems.