Posted on: 30th Mar, 2010 12:42 pm
My second mortage was dismissed in Chpt 7 bankruptcy in 2008. I did nor reaffirm the second mortage and it was apparently charged off. I had my first mortgage modified under the Affordable Housing program.
I just received a notice from a collection agent to pay the outstanding balance on my second mortage since it had been charged off, or if it had been discharged under Bankruptcy, to provide the Discharge Papers. Am I liable for this debt?
I just received a notice from a collection agent to pay the outstanding balance on my second mortage since it had been charged off, or if it had been discharged under Bankruptcy, to provide the Discharge Papers. Am I liable for this debt?
Hi Guest,
As you did not reaffirm your debt with the second lender, you are not personally liable for it. The debts have thus been discharged by the bankruptcy court. I would suggest you to have a word with your bankruptcy attorney and take his opinion in this regard. You can even send the discharge papers to the collection agency and let them know that you are no longer liable for paying the debts.
As you did not reaffirm your debt with the second lender, you are not personally liable for it. The debts have thus been discharged by the bankruptcy court. I would suggest you to have a word with your bankruptcy attorney and take his opinion in this regard. You can even send the discharge papers to the collection agency and let them know that you are no longer liable for paying the debts.