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  • very expensive lesson

As a follow up, I spoke the next day (Saturday) with the attorney and boy was this a mess. I was exactly 34 days late on my mortgage (the prior month and 4 days into the current month). The bank took that as I wanted to include the loan in my bankruptcy. After many frantic phone calls to my attorney’s voice mail he finally called me back.

“It’s a big deal” he said, but nothing that I can’t fix if I go directly to my local post office and send the attorney certified funds for the two month worth of payments. My attorney made it very clear that even though I was making these “catch up” payments that I would be responsible for court costs and the attorney fees. We were prepared for a bill around $900. All because I was waiting for my checks to show up. What a nightmare!

As I mentioned, I spoke with the attorney on a Saturday and had to not only withdraw $6,236 from my checking account but I needed to send the funds to the banks attorney so it showed for first thing Monday. I was able to find a post office open past 2pm by visiting http://www.usps.com/postmasterfinder, Overnight mail, certified return receipt for delivery exactly 6 towns away from my house cost me $34, not to mention the fees I had to pay for the money orders. Man was this a mistake. I hope that by me writing this someone somewhere will read it and maybe learn from this mistake. Please, do yourself a favor and MAKE SURE YOUR MORTGAGE PAYMENTS ARE UP TO DATE prior to your attorney filing with the state.

Fast forward a week… It turns out that my attorney is friends with (and golfs) with the banks attorney. He was able to get my fees reduced to $350 for the attorney fees and $150 for the court fees. No fee was charged from my attorney to us for his work. So I guess $500 is better then $900 + the fees my attorney could have charged us.

This was a very expensive lesson.

- AJ

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