Mortgage Question...
Date: Tue, 02/23/2010 - 10:16
My bankruptcy (CH 7) was discharged almost a year ago. We (my wife and I) recently found out that our mortgage was never reaffirmed and it's showing up on our credit reports as discharged. The attorney blames the mortgage company and the mortgage company blames the attorney. Our attorney told us that we can reopen the case but it's no guarantee that it will be resolved. Is it possible to refinance with a seperate company (because Citi is just awful) to have it show as current or will that open up a can of worms potentially making the lender come after the home?
We've never been late on our payments and we just want it reported correctly so it doesn't hinder us from moving on.
We've never been late on our payments and we just want it reported correctly so it doesn't hinder us from moving on.
The mortgage will be reported as discharged in your report since
The mortgage will be reported as discharged in your report since you haven't reaffirmed the loan. Also, you can get it refinanced.
Your only option is to reopen the case to resolve the matter.
