If BK-13 was filed over 12 mos ago and has paid the trustee as agreed based upon semi-annual trustee reports that are mailed to the customer or pay history direct from the trustee and on-time payments to mortgage company outside of the plan during the BK-13 this customer could be helped provided the credit score is above 500. You would either have to get approval from BK court to do this (is easy to get but does take some time to get) or a payoff quote from the trustee directly and depending upon your lender could refi based on just that without having to go to court to get approval.
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Word of advice — trustee approval is needed regardless. Start that process as early as possible because it takes time. In Illinois, the atty. who filed the BK. has to motion the court for the payoff which also takes time. Kill 2 birds with 1 stone; request permission and the payoff and make sure you make the payoff good thru date long. The title company may not accept it if it is over 30 days at closing and that starts the headache all over again.
You will need permission from the BK. trustee to consummate the loan (right to encumber); in IL you have to request the payoff via the trustee also and this can add 2-4 weeks onto processing if the BK. attorney is slow to file the motion. Be clear with the BK. atty. what you need and stay in constant contact with their office – I had one who was there to get the right to encumber and agreed to a continuance from the mortgage company’s atty. and the loan was ready to close 2 days later. Make sure your mortgage and BK. payoffs are postdated far enough to be valid through your closing date. Order the payoff from the mortgage company’s attorney (it is assumed the mortgage was delinquent and/or in foreclosure when the BK. was filed) and direct from the mortgage company. Follow up with status calls regularly to make sure everything is progressing; anybody dropping the ball can add 7-10 days onto processing as well. Be sure the both payoffs do not include any arrearage owed on the mortgage; if it is included with the lender’s payoff, request the trustee to delete it from their payoff or vice-versa.