Millbrook, NY Bankruptcy Law Firms & Lawyers

You are asking a lot of complicated questions in a forum designed to give basic information and I will try to address some of these issues in the limited space available. But you ought to consult with a bankruptcy attorney in your community. You can file bankruptcy if you are eligible to do so. But bankruptcy will not give you clean title to your property and to keep your property, you will have to be able to keep the mortgage company from foreclosing on you. June 14 was a couple of months ago, so if your property was foreclosed on, it is gone and you cannot get it back. Your mortgage company has no obligation to help you. They lent you money to buy your house and they have every legal right to demand that you pay them back according to the terms of the written contract you signed with them. It is not clear whether the land you have is separate from the mortgage or not, but if it is fully paid for, you may live on it if you wish. To be able to claim it as a homestead you must, in fact, live on it.

You aren't required to reaffirm a home loan in bankruptcy to keep it and be able to sell it later. So long as you are current, you can sell your home. If you are upside down on the loan, you will need permission from the lender to short sell the property, but you may handle the home as you would if you had never filed bankruptcy to begin with.

You needed to demand the return of your withheld wages as soon as you filed bankruptcy. Then, if the money wasn't returned, file an action in the bankruptcy court. Now that your bankruptcy is closed. You can still demand the return of the money but you'd have to re-open your case in order to get an order.