Received Mortgage Interest Statement

[bankruptbrad]

Hello all, I was discharged last spring & filled on the last day in 2009. I received a mortgage interest statement from a line of credit based on the mortgage the other day for income taxes, but I haven't paid any bills on this account since mid 2009.

So, does anyone have any idea why I would receive this statement? I am already leery of the idea of trying to deduct the amount, so no need to convince me not to deduct it - but I'm just curious why they would have mailed it to me.

Thanks all!

[bankruptbrad]

Ok then, I'll take the silence as my answer - I'll ignore the interest statement. Yet I am still curious why I would have received the statement.

[ssc2761]

I would look into this further if I were you. I surrendered my home in Chapter 7 BK that was d/c on 7/2010. My impound account was empty since I never made a payment on that house since 2/2009. The bank continued to pay property taxes in that case. I talked to a tax attorney and we deducted the property taxes the bank paid, since legally the house is still mine until deed transfer occurs. This was for my 2009 taxes. I am going to ask the tax attorney if we can do the same for the property taxes paid for 2010.

[bankruptbrad]

Thanks that is interesting & does sound like I'm in a similar situation. Out of curiosity I searched the tax assessor site for our ex-home & our name is still on the tax roll including our current address. I've looked into what could be happening & I have surmised that our lender, Morequity (an AIG company since purchased) may have decided to walk away from the house. Though the home has been through 2 different auctions, & I had believed the home had been purchased - but perhaps it is still in limbo.

I admit I would rather not receive any reminders of the house in the mail, & also am still leery of the chance of being liable somehow for claiming the interest as a deduction. But I'll consider it anyways - thanks.