As stated in the "What courses are required to file bankruptcy" credit counseling certificate is mandatory. You must complete the class and obtain a certificate before filing for bankruptcy, or your case will be dismissed. Most people file for bankruptcy itself does not know and therefore do not know that their case is doomed to failure from the very beginning. If your case is discharged, the mortgage closing process will continue.
If you have a house that is underwater, and you have problems with your monthly payments, or know that you will have problems with their monthly payments in the future, chances are you have, or try to get a loan modification. For those of you who are seriously delinquent in their monthly payments that you tried to hire a loan modification company that promises to help you get a loan modification. Make sure the lease is a reputable loan modification company. If you file for bankruptcy to stop the closure is likely to have the opportunity to submit all plans and forms that are required in case of bankruptcy certification, a statement of financial affairs and financial circumstances.
The bankruptcy court usually issues a command file for any missing documents within 14 days from date of order, or your case will be dismissed. You may submit a proposal in bankruptcy court to ask the Court to extend the deadline for completion of the bankruptcy petition. If the court grants your motion, you'll have a little more time, usually 30 days. After overcoming these obstacles, and your case bankruptcy is still in good condition, you now have some free space to try to obtain a permanent loan modification.
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