If I filed Chapter 7, and listed mortgage, equity loan, and car loan, (lawyer said they had to be listed) and still pay on them and have all along, shouldn't the banks report these payments to the credit bureaus?
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All gets listed - you don't get to choose which accounts you 'file' on. If you don't reaffirm, then you no longer owe those debts and so they won't report payments.
Keep in mind that for secured items, even though you don't 'owe' the debt that the lender's security interest in the car/home continue. So its a pay to keep it prospect.Get mortgage modified: DONE! 7 months of back interest payments amortized, payment reduced over $200/mo
(In the 'planning' stage, to file ch. 13 if/when we have to.)
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