I just emerged from a Chapter XXXX. At the start of the proceedings CitiMortgage filed a claim for {$8000.00} in arrearages. The Trustee was to pay the {$8000.00} over the course of the Chapter XXXX. I was to continue to pay my regular monthly payment going forward. The Chapter XXXX ended in XXXX of this year. CitiMortgage claims that I am over {$5000.00} in arrears now. They told me in a letter that they will start foreclosure proceedings on XXXX XXXX of this year. They claim that I have missed XXXX payments in a row. I have sent them bank statements proving that we have made every mortgage payment since the start of the bankruptcy. 

More than XXXX Citi representative has admitted that they have used my regular monthly payment to cover arrearages. For instance. I was told that my first payment under the Chapter XXXX on XXXX went to pay the XXXX arrearage. Payments from both the Trustee and myself have been going to pay the arrearages before anything else. By no means have they separated the payments from the Trustee and myself. 

This is my understanding. " Payments from the trustee or debtor post-confirmation should be applied to payments due from the Petition Date going forward - not to the arrearages. All post-petition installment payments must be applied and credited to the debtor 's mortgage account as if the account were current and no prepetition default exists ( this includes any adequate protection payments received pre-confirmation ). " I have been told by a Bankruptcy specialist at Citi that this is how they do their accounting and there is nothing she can do about it. We entered into the Chapter XXXX in good faith. We made every regular monthly payment. The Trustee made all of her payments. Yet we are coming out of this being made to feel like a common mortgage dodger with a foreclosure looming over our head. 
