Posted on: 25th Dec, 2010 01:37 pm
Hi, I had a chapter 7 discharged in 12/09. My mortgage statements just started saying "voluntary" on them. I never signed a re-affirmation. But, on my credit report, there is NO indication of this mortgage AT ALL! Ive paid for 15 years on it.
The other loans/charge accounts are listed on my credit reports as discharged in chapter 7, can you tell my why my mortgage isn't listed at all?
Will it be listed as discharged AND foreclosure once i stop payments and they foreclose? and will i have to wait 2 years from THAT point to apply for FHA on a new home? What would be the best thing for me to do right now? I thought of staying in the home, not making payments and saving what i would be paying as morgtage payments for a down payment on a new loan. I owe more than this house is worth and it seems like a losing battle. I think it would be at least 6-8 months in my state before i would have to move out and rent for awhile.
Thank you
Mary
The other loans/charge accounts are listed on my credit reports as discharged in chapter 7, can you tell my why my mortgage isn't listed at all?
Will it be listed as discharged AND foreclosure once i stop payments and they foreclose? and will i have to wait 2 years from THAT point to apply for FHA on a new home? What would be the best thing for me to do right now? I thought of staying in the home, not making payments and saving what i would be paying as morgtage payments for a down payment on a new loan. I owe more than this house is worth and it seems like a losing battle. I think it would be at least 6-8 months in my state before i would have to move out and rent for awhile.
Thank you
Mary
Hi Guest,
Your query has been replied to in the given page:
http://www.mortgagefit.com/propertytransfer/about47833.html
Take a look at it. Hope it helps you.
Your query has been replied to in the given page:
http://www.mortgagefit.com/propertytransfer/about47833.html
Take a look at it. Hope it helps you.