Mortgage lates after discharge

[Leesa926]

I posted before about possibly giving up house. We are still unsure as I have a job promotion that I am moving for. This requires significant $ for down payment etc for new apartment. I will be making much more so in the long run it is a great thing. We are also working on renting out our house.

I am pretty sure the answer is it wouldn't matter but can a 30 or 60 day late hurt my credit anymore than the discharge. We did not do a reaffirmation. I have never been 30 days late on the mortgage and so far my scores are in the 700's I just don't want to screw that up.

My understanding is the mortgage is closed on my credit report. As long as I catch up before the move to foreclose (and even that may be a while, I should be ok.) Just wanted to confirm this.

I will have the money once my new salary kicks in next month but need this months mortgage for security, etc.

Thanks!

[leonel9]

As long as you did not reaffirm, the late payments are post-petition, the creditor did not successfully challenge the changeability, and you receive the discharge for the mortgage, then post-petition late payments should not be reported to your credit report. The entire account should report with a $0 balance as "included in bankruptcy" or something to that effect.