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How To Reaffirm Mortgage After Chapter 7 Discharge

Chapter 7- Did not reaffirm mortgage? | Yahoo Answers –  · I filed for Chapter 7 in August 2008 and received a discharge in Oct 2008. I agreed to letting my rental property go and keep my primary home. I never reaffirmed the loans with my primary home. The first lender transferred the loan right after i filed and never sent me a reaffirmation agreement. The second never sent one either. I have now realized that my home is no longer.

Dear Barb, In some cases, lenders do not work with borrowers to reaffirm mortgage loans during the bankruptcy process. This causes difficulties for homeowners because the lender may also refuse to.

Bankruptcy Myths Debunked – such as your mortgage and car loans, because your debt to these types of creditors will continue even after bankruptcy. In a Chapter 7, generally the debt will survive bankruptcy, the creditor can.

New Mortgage/Home Loans after Chapter 7 – Mortgages. –  · 1) There was a chapter 7 filing, under 5 yrs. ago. Tried to reaffirm the mortgage, and filed w/ the court to this effect, but the bank never responded, and the court later discharged the debt. So it’s off the credit report (except as discharged, of course).

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Should I Reaffirm my mortgage? | Maryland Bankruptcy – Getting a discharge is the entire reason for filing for bankruptcy, so why would anyone ever want to promise all over again to pay a debt they do not have to pay? For mortgages, if the payments are being made, the bank cannot foreclose. Mortgage Reaffirmation When someone gets a mortgage.

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Reaffirmation Agreements in Chapter 7 Bankruptcy – San. – If the debtor in a Chapter 7 filed in California wants and/or needs to keep her car, which is most often the case, then the lender can require the debtor to sign a reaffirmation agreement. A reaffirmation agreement effectively waives her bankruptcy discharge as to that debt.

The Automatic Stay: What Creditors Need to Know – In a Chapter 7 liquidation case. the debtor will not surrender the collateral or reaffirm the debt; and where the creditor holds a lien on a debtor’s residence and the debtor has defaulted on.

Discharge and Reaffirmation of Mortgage Loan Indebtedness – If a Chapter 7 debtor fails to reaffirm his obligation on his mortgage during. that reaffirmation agreements made after the entry of discharge are.