nooooooooooooooooo

[lostand]

We got our letter in the mail today saying our cas was closed yeah,BUT we also got a letter from the CU demending the money from the loan,I called them and they told me I had to pay our they would take the house,it is from a roof loan we did NOT take out a second mortage on it,they said I have to pay they have no recored of me filling BK my lawyer is to busy to talk to me can they do that?

[justbroke]

No, they can't just do that. I wonder if they recorded a mechanic's lien when they did the roof repair? You really need to talk to your lawyer. I have no idea how you structured that debt at all.

However, I would have given the CU your case number and lawyers name.

[lostand]

nooooooooooooooooo

We got our letter telling us our cas is done today YEAH,BUT we also got a lette from the CU telling us we have to pay on the loan our loose our house it was NOT a second mortage we did not have any colleterial the letter is from th CU's insurance company and they said we have to pay my lawyer is to busy to talk to me can they do this I thought when the case was closed it was done

[Logan]

You need to buy a keyboard that has a period......

[JRScott]

Okay calm down first.

Okay you had some sort of loan you discharged?

You also have a mortgage through the CU?

CU's are notorious for cross collaterilization clauses. Have you checked the wording of both the loan and mortgage for these?

I hope you can get a hold of your lawyer.

[justbroke]

Deja Vu! Wasn't this posted somewhere else?

[lostand]

Sorry I posted it in the wrong place.We had a roof repair threw the CU,our home loan is threw a diffrent company Bank Of America

[JRScott]

Okay you need to get your original documentation out and see what it says. However if they allowed you to claim this was unsecured in the bk filing and allowed you to discharge, they are probably out of luck.

You also need to get a hold of your lawyer. It is monday though and he might be in court. Thus it might be better to wait til after 3pm your time to try to contact his office or try tomorrow. Send an email with the problem. If necessary see if you can bring a copy of the letter to him and have him look over it.

[AngelinaCat]

Hi lostand. I merged your two threads. Welcome to the forum