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If you are in BK the lender cannot sell the home without a motion for relief from stay.
Let me rephrase and answer:
Two and a half months ago I filed Chapter 13 to stop the foreclosure of my home. Public records show that the foreclosure has been continued to July 29, 2016. My house is currently listed for sale.
Edt to add. . . Lender will continue the foreclosure on a monthly or so basis until the protection of the automatic stay is removed. This is normal.
1. Can I file chapter 7.
If you qualified for a Chapter 7 on the day you filed the Chapter 13, you can convert your case to a Chapter 7. Chapter 7 will not help you “save” your home.
2. Can I file by myself in time?
You can fire your attny and represent yourself. Probably not a good idea. If you do not like your current attny try to find someone else willing to take over the representation.
3. Should I advice the mortgage company I want to sale the house?
Doesn’t matter. All the lender cares about is getting its money. If you can pay it off before a foreclosure is completed - great. Just remember, if you have not resumed regular monthly payments as required in a Chapter 13, chances are you will not find a buyer and close on a sale before the lender gets the protection of the automatic stay lifted and completes it foreclosure.
4. My house is for sale at $183,400, pay off is $119,000.
Does not matter if you cannot make payments and/or sell the home before it is lost to a foreclosure.
5. I am on SSD and qualify for a Occupied Conveyance through HUD. How long do I have to apply or I already applied prior and qualified. Do I resubmit?
Cannot answer as I am not familiar with such a program. Hopefully someone else will chime in.
6. I would like to keep my home if at all possible.
Then you need to stay in the Chapter 13 and propose a Plan that pays back all of the arrears while you resume your regular monthly payments to the lender. Alternatively, try for a loan modification under some program that has nothing to do with bk.
Des.