What can I expect from foreclosure 1 1/2 year after chapter 13

It wo not be much different if u r in the Chapter 13. But u did not mention if the house is included in the Chapter 13 or not. That may change how the bank will go about the foreclosure, but not by very much.

If the house is not in the Chapter 13 plan, then the bank will just file the foreclosure lawsuit, get a sheriff sale date, & attempt to sell the house to pay back the defaulted mortgage. Check ur state is foreclosure laws to find out exactly how long this takes.

But if the house is included in the Chapter 13, then once u begin falling behind on payments, the bank will petition the court to have the mortgage dismissed from the bankruptcy plan. Since u would not be making the payments, this would be pretty easy to accomplish -- the Chapter 13 is designed to give u a chance to make the payments on time through the entire plan. If u fall behind, the creditors can have their debt removed & pursue collections again.

In that case, then the mortgage company would begin pursuing the foreclosure process same as normal. They still have to follow the state foreclosure laws & county rules in order to take ur home. Nothing would change any of that.

There is just that one extra step of getting the house removed from the bankruptcy payment plan, if u included the house in the Chapter 13. Otherwise, the bank will have to follow the laws that dictate how the foreclosure process will work. And to know how much time u have & other details, u can search online for ur state is foreclosure laws.

Hope that helps.
ForeclosureFish