Am I still liable for my mortgage after chapter 7 bankruptcy?
If you did not reaffirm the
If you did not reaffirm the loan you have no liability to the lender for payment. The lender can foreclose its lien but cannot sue you for the balance on the contract. If you are not sure if you signed a reaffirmation agreement call the bk court and ask someone to check the docket to see if one had been filed.
Des.
Thanks for the reply. Well
Thanks for the reply. Well today I heard back from the office that handled my chapter 7 in '06. They said due to the age of my case it appears my file was destroyed BUT I was told they looked on some tool called "Pacers" (For attorneys) and they do not show any type of reaffirmation document filed in the court. The lady advised me to contact my mortgage company to ask them if they have such a document there. So, If it's not there I can basically mail them the keys? Many thanks.