Posted on: 07th Jan, 2011 07:00 pm
my 2nd mortgage was dismissed in a chapter 7 bankruptcy as we did not reaffirm it. now that the case has been discharged, the 2nd mortgage company continues to call requesting payment. i just really want to know what recourse they have. my house is probably valued around $165-$200k and the first mortgage is $215k with the second being around $55k. i make payments, but sporadically. can they still push us into foreclosure? we did the bankruptcy to save our home so i don't want to risk losing it over something that has been discharged.
Hi justcyt,
If you haven't reaffirmed the 2nd mortgage then surely you are no longer using the home and as it(mortgage) is discharged,your ex-lender can not ask you for the payment....
You can strictly tell them that if they continue to follow you in this manner, you will file a lawsuit against them for harassment.
Jay
If you haven't reaffirmed the 2nd mortgage then surely you are no longer using the home and as it(mortgage) is discharged,your ex-lender can not ask you for the payment....
You can strictly tell them that if they continue to follow you in this manner, you will file a lawsuit against them for harassment.
Jay