Posted on: 24th Aug, 2010 01:40 pm
I have not paid my mortage payment since last July (over a year ago) I declared bankrupcy in December and rolled my mortgage into it. It was discharged in February. I have never heard from the bank and when I call the person on the other end just says I am not on the foreclosure list. I would actually like to move on with my life. What do you suggest?
If you filed Chapter 7 and did not reaffirm your loan, then you can contact the lender and surrender the property to him. Once you surrender the property, the lender will foreclose it in order to recover the dues. Once your property is sold off at the auction, you won't be liable for the house anymore.