Posted on: 04th Sep, 2010 08:40 am
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I filled Chapter 7 in 2005 ,but did not include my home. I tried to refinace my home last year & discoverd my mortage was not being reported t0 the credit agencies which could have resulted in a lower intrest rate. Mortage company said lawyer failed to complete reinstatement form prior to discharge. Is there anything I can do to refurse this ?
Tonya
I filled Chapter 7 in 2005 ,but did not include my home. I tried to refinace my home last year & discoverd my mortage was not being reported t0 the credit agencies which could have resulted in a lower intrest rate. Mortage company said lawyer failed to complete reinstatement form prior to discharge. Is there anything I can do to refurse this ?
Tonya
Welcome Tonya,
If you had not included the mortgage in the bankruptcy filing, then the lender should have reported your account to the credit bureaus. You should contact the lender and clarify the matter. If your mortgage was included in bankruptcy, then you should have signed the reaffirmation agreement so that you remain personally liable for the loan. Then, you could have refinanced the mortgage.
If you had not included the mortgage in the bankruptcy filing, then the lender should have reported your account to the credit bureaus. You should contact the lender and clarify the matter. If your mortgage was included in bankruptcy, then you should have signed the reaffirmation agreement so that you remain personally liable for the loan. Then, you could have refinanced the mortgage.