We had filed chapter 7 originally due to my medical bills during cancer treatment something which we never planned on. First National Acceptance Corp stepped in immediately and tried to file foreclosure against us. Per advise from our attorney we filed Chapter 13 to force the hand of First National Acceptance Corp into accepting our monthly mortgage payments. First National Acceptance Corp is refusing our payments yet again and we now have 4 months worth of payment in our saving account and they will NOT accept any of them. They are now threatening foreclosure. How can this be legal??? Refuse to accept payments for the soul purpose of foreclosing makes no sense to me. First National Acceptance Corp is losing money because of where we live the property values have dropped dramatically due to a factory dairy farm. Our properties worth $98k and 4 years later is now worth $52k. It doesn’t sound like good business practice to refuse a customer’s monthly payments and sell the property for no profit.