Legal Question in Bankruptcy in Georgia

There is not a yes or a no answer when we know one sentence of facts. No one here know anything about why you filed for bankruptcy, what Chapter, or any other facts. Rarely is it the case that someone who misses a payment or two can't catch up. There is far more to the story than you posted.

It is very likely the lawyer gave you excellent advice. In many bankruptcies, you gain better leverage for modification by delaying payment, and you also protect yourself from wasting money in case there was a situation where the court or circumstances did not permit you to keep the home. Regardless, certainly you would have set aside the money for the missed payments, which meant the house payment could have been caught up IF that was appropriate. There may have been reasons that would have prevented retention of the property in your case.

Having said all of the above, without seeing your entire case file, no one here knows if the advice was good or bad. As Scott told you, lenders don't foreclose over a month or two of missed payments so you have left a lot out that we need to know.

If you think something was done wrong, you an pay a second lawyer to review all your paperwork.