Non Reaffirmed Loan/Discharged

[dch]

My question involves bankruptcy in the state of Arkansas

We filed Ch. 7 bankruptcy years ago and it was discharged. We did not reaffirm the loan on our mobile home. We had since bought a home and rented the mobile home out until that proved more trouble than it was worth.

We kept up with it as long as possible but after awhile, we could not afford to keep it along with the mortgage and current bills we have. We tried to sell it, to no avail. I called Greentree and was told my loan was discharged and not reaffirmed so they would just send me a letter of surrender to sign and it would be over. We would not be responsible for anything from then on.

This was a couple of months ago. Today I received a letter with a balance. I tried to call but had to just leave a message. Is this possibly an oversight on their part or are they right in collecting the remaining balance after selling it? I was under the impression from my phone call and research that I would not be responsible for the balance on the loan since it was discharged and not reaffirmed.

[phoenixrisin]

You are not responsible for anything as long as they were discharged on your BK. I'd call and politely remind them.