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I get this question a lot from clients who are either in foreclosure or mortgage default. Just who is this person with the camera in my front yard? The answer is that your mortgage company is permitted to inspect your home if you fall behind (the technical term is “to default”) on your mortgage loan. I’ll bet you that right … Read More

Given that so many people have student loan debts these days, I’ve been meaning to write something about this topical issue. And particularly, I wanted to write about how student loans are treated in Chapter 13 here in Western PA. Quickly, here’s a review: in Western Pennsylvania, we have a conduit trusteeship that requires secured loans to be repaid inside … Read More

I wrote earlier about 12 tips to better understanding the Chapter 13 plan payment calculation process. Here’s some more insight into just how your Chapter 13 payment might be increased during your plan term. And please remember that Western Pennsylvania has a “conduit trusteeship” which means that all secured loan payments are to be made through the Chapter 13 plan. … Read More

Here in the Western District of Pennsylvania, we have “conduit” Chapter 13 plans, which mean that all of your secured loan payments are made inside the Chapter 13 plan. As I’ve written before, don’t draw conclusions about the way that the Chapter 13 process is handled from State to State (or even within your State). It helps to first recall … Read More