Legal Question in Bankruptcy in New Jersey

Re: Divorce and Foreclosure

The house is listed in Schedule A. The secured debt is listed in Schedule D. Your exemption is listed in Schedule C if you have any equity. The foreclosure suit is listed in the Statement of Financial Affairs. This is the literal answer to your question. I strongly encourage you to consider having an attorney assist you with the bankruptcy. Yes, if you file yourself you will not incur an attorney's fee. But by hiring a competent attorney, you will have someone to counsel you in addition to being sure that everything is done correctly. You may also save yourself a lot of time and frustration having to learn what to do. Feel free to call me if you would like to consider having an attorney or even if you decide not to but have some questions.

By the way, if you are not trying to save the house, you may be able to live there for free for quite a while longer due to the inherent slowness of the foreclosure process combined with the stay which will apply when your bankruptcy is filed. The creditor will need to obtain the permission of the bankruptcy court to initiate or resume any foreclosure action.

Note: Due to the limitations of the LawGuru Forums, the response to questions posted does not constitute legal advice or legal representation of the person posting a question. The information provided is general. The poster should obtain specific legal advice from an attorney, and should not rely upon the response as the basis for making any decisions of legal consequence.