I'm about a month post discharge. I received a letter from the Bank regarding my HELOC, (a third lien against my property), they would like me to reaffirm. If I didn't reaffirm the 1st lien, why would I reaffirm the HELOC? I should also add that there's no equity in the property. For now I'm still living in the property. In their paperwork, it states that the reaffirmation has to happen before discharge. Ok so why did they send me paperwork, after the discharge. Apparently they didn't get the memo that I was discharged, unless I missed something. he he....
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