can i reaffirm my mortgage after discharge

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Should I Reaffirm My Mortgage Debt After Bankruptcy. – Should I Reaffirm My Mortgage Debt After Bankruptcy?. "Bankruptcy has given you the right to discharge a debt and no longer have to repay it," says Sam Tamkin, a Chicago-based real estate attorney, "If you are reaffirming that debt, you are agreeing to repay it.". If that’s the.

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Can bankruptcy change my mortgage payment? Bankruptcy Terms. What does it mean to reaffirm debt?. The bankruptcy court will not consider a reaffirmation plan unless the debtor can prove that continued payments are feasible. Since a reaffirmation of debt is a new contract between debtor and creditor, the terms of the contract may be open to.

2) No, you can not reaffirm your mortgage post discharge. You can continue to pay and stay. 3) The equity is yours if you decide to sell anytime in the future. 4) Yes, the HELOC was discharged in your BK, but only the personal liability for repayment.

Bankruptcy Blog When to Reaffirm a Debt, When to Use Chapter 13. When to Reaffirm a Debt, When to Use Chapter 13.. That means you exclude that debt from the discharge (legal write off) that Chapter 7 provides. You continue to be fully liable on that one debt.. New Albany IN behind on home mortgage, reaffirm car or truck in Louisville Area.

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Besides, you can’t reaffirm in a Chapter 13. Your best best for getting all the various "versions" of credit scores is to use MyFico’s website. It is pricey to get all three bureaus but I would a.) wait until at least 7 days after your bankruptcy has been discharged and then look at your scores.

“Without reaffirming the debt or redeeming the collateral, the debtor has no right to retain the collateral, id. at 1516 (referencing Failla), though the debtor can continue to maintain mortgage.

I was just discharged from ch 13 and don’t know if i should reaffirm mortgage. mortgage escrow payment for $400 was the only part if the mortgage that was included in my case.. Some creditors will not report during the Chapter 13 and other will report during the Chapter 13.After discharge you can ask them to report once again. Most require.

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