The New York Notice of Postpetition Mortgage Fees, Expenses, and Charges (12/15) is a document used to inform a debtor of the fees, expenses, and charges that have been incurred on a mortgage that is in the bankruptcy process. This document is issued by the bankruptcy court and typically includes the debtor's name, the date of the filing, and a list of the fees, expenses, and charges incurred on the mortgage. There are two types of New York Notice of Postpetition Mortgage Fees, Expenses, and Charges (12/15): one for Chapter 7 bankruptcy and one for Chapter 13 bankruptcy. The Chapter 7 notice includes a statement of the types of expenses that are non-dischargeable, such as attorney's fees and court costs, and a statement of the amount of the fees, expenses, and charges that must be paid by the debtor. The Chapter 13 notice includes a description of the trustee's fees, a statement of the amounts due for fees, expenses, and charges, and a statement of the amounts that must be paid by the debtor.
New York Notice of Postpetition Mortgage Fees, Expenses, and Charges (12/15)
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FAQ
If there is a post petition mortgage fee noticed and allowed, and the mortgage is paid directly by the debtor/borrower, then usually it is a fee added to the debt that must simply be paid from the sale of the home or prior to release of mortgage down the road.
A Notice of Postpetition Mortgage Fees, Expenses and Charges must be filed by the mortgage creditor within 180 days of the date the fees, expenses and charges are incurred.
Official Form 410S2. Notice of Postpetition Mortgage Fees, Expenses, and Charges.
When it comes to filing Chapter 7 bankruptcy, debts incurred before filing are called pre-petition debts, that debtors are discharged from, whereas debts incurred after a filing are post-petition payments, which debtors still must pay on.