I filed bk in Aug 25, 2008 and signed a reaffirmation agreement with Citi (2nd mortgage holder) on Nov 24, 2008 but never had a hearing and the court states there is no reaffirmation agreement filed with the court.
Indymac holds 1st position on my home and sent me a modification agreement on Aug 27, 2008. I was told verbally on two separate occasions by Indymac loss mitigation (Oct 27, 2008 and Nov 11, 2008) that the modification agreement with Indymac was approved. However, when I received the reaffirmation agreement from Indymac it did reflect the new modified mortgage payment. I'm now being told that the modification is not valid and I need to sign the reaffirmation agreement and then I might be considered for modification or a repayment plan.
Is the Citi reaffimation valid? Should I sign the Indymac reaffirmation agreement?
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millikan started a blog post When is a mortage reaffirmed?When is a mortage reaffirmed?
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#1Trixie007 commentedEditing a commentHello, and welcome! You would be better off posting this in a forum for responses. Not many people read blogs, and very few answer questions in them. Good luck to you.
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