Am I still liable for my mortgage after chapter 7 bankruptcy?
Wed, 09/18/2013 04:50
I filed Chapter 7 bankruptcy in Florida back in 2005 after my divorce. There is a reaffirming of mortgage debt form in the papers but it's not signed by anyone and I don't recall it being discussed. Since the discharge all correspondence and phone calls with the mortgage company always include "to the extent your original obligation was discharged, or is subject to an automatic stay of bankruptcy under chapter 11, this statement is for compliance and/or information purposes only and does not constitute an attempt to collect a debt"
I ended up defaulting on the loan in July of 2011 after being laid off. I am currently attempting a short sale but my realtor tells me I may not be responsible for the lien because of my chapter 7. If I can't sell it I'll be looking at the deed in lieu process. Basically, I am extremely concerned about being pursued by the mortgage company for a delinquency judgment. Should I be? Any info would be most appreciated.
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