Yes..........Discharged

[newbie2]

Congrats!! I always get excited for those who have been through this process and finally become discharged.

[Overmylimit]

Its about time! Congrats!!

[albacore44]

Albacore, you stopped paying right after your 341? I thought it was advisable to wait until you are discharged to stop the payments? I actually called my second mortgage company to extend our temporary modification and was basically told that it was my first mortgage that was the problem not the second! I told her if I didn't pay on my first I would be ousted and she told me because my monthly obligation with the first is more than with the second then I need to go to them for help. Wow, needless to say she was an absolute b****!!! She had no idea at that time I was filing for bankruptcy. Just please keep us informed. I get so much great advice from all of you good people here and that means the world to me!

Yes, I stopped paying, after I discussed it with my attorney, and he agreed. Funny thing is my 2nd (HSBC) still does not know I even filed BK.

As far as yours, that is just a tactic your 2nd is using to get you to pay. Once you BK, their only recourse will be to foreclose, and if your upside down, I doubt they will do that.

BTW- i found some interesting info on another site where HSBC is sending unsolicited offers in the mail for people to settle underwater 2nds for 3.5% of the balance. I think they are getting desperate. Cash is king right now.

[jdcat]

Congratulations Albacore! Wow, 50K toward *some* of your cc's? You must've been living under some massive debt. So glad it's worked out for you and you can move on.

[albacore44]

[QUOTE=jdcat;414603] You must've been living under some massive debt. [QUOTE]

Due to some masssive stupidity

[2manybills]

Congratulations Albacore! I'm glad that monkey is off your back.

Keep me posted on settling your 2nd. I'm still working on mine.

[bobbyquefour]

Very, Very happy for you! I always judged our BK's to be right in line with each, time-wise.
It's such relief, isn't it? It is still hard for me to believe.

[shark66]

Kudos to you, now that you're out of it, take a deep breath and keep us posted on your progress with HSBC...

Also, please don't disappear from here...your posts are a joy to read, even when there's little joy in them...

Congrats once again!

[albacore44]

by the way, Hub..............I brought your girl back.............just for you.

[coolmom04]

Woo hoo!! Congratulations!!!

[potsie834]

Ann, I short sold my home and the 2nd refused to waive the deficiency balance. I knew I was filing chapter 7, so I went ahead with the short sale and the deficiency balance was discharged in my BK.

[walkthaplank]

Congrats!

[justbroke]

albacore44, I apologize for not seeing this sooner! (You could have PM'd me, ya know... ) Anyhow...

Congratulations!