The work you hired your bankruptcy attorney to perform probably ended when your case was confirmed. The additional work your attorney performed for the 4 1/2 years since confirmation may well have been a "freebie" provided to you as a courtesy. Unless your retainer agreement provided that your attorney was to answer questions about everything you didn't understand, my guess is that you may have crossed the line about what your attorney will give you for free. If you want additional advice from your attorney, the first thing out of your mouth should be "how much will you need to represent me on this additional matter?" If you want more free advice from your attorney, the way to get it by referring other clients to your attorney & posting positive reviews for all the additional work performed in your sucessful case. Now that your Chapter 13 is completed, your mortgage company can resume foreclosure proceedings because your payments are delinquent payments. As part of the forelclosure process, you can, once you receive notice of foreclosure, apply for the foreclosure mediation program in Nevada. Another option is to apply for a mortgage loan modification program.
Answered on Oct 24th, 2012 at 11:33 PM