Our mortgage was discharged in Chapter 7 about 2 months ago now. We thought we had reaffirmed but the courts didn't approve it so we are behind about a month and a half of payments on our mortgage because when we tried to reaffirm our late payments would have just been rolled into our reaffirmation.
I'm paying a little extra every month on our mortgage and am trying to work out a permanent solution with our mortgage company but they are brutal (and I'm pretty sure they won't start the foreclosure process if we're only late by a month and a halfs payment).
The mortgage company is terrible to work with. They are really mean on the phone so I have resorted to only talking to the person I'm working with through e-mail. They keep calling DHs work and he cannot have personal phone calls at work (he works off site so they call the office and unless its an emergency he can't even come in to take a call).
Can they continue to do this? I didn't think they could continue to harass us because the debt had been discharged. If they want to foreclose they can, but they cannot continue to call us 3 times a day and call our places of employment.
I know with unsecured debts they have to cease all collection, but what about secured debt?
Thanks
I'm paying a little extra every month on our mortgage and am trying to work out a permanent solution with our mortgage company but they are brutal (and I'm pretty sure they won't start the foreclosure process if we're only late by a month and a halfs payment).
The mortgage company is terrible to work with. They are really mean on the phone so I have resorted to only talking to the person I'm working with through e-mail. They keep calling DHs work and he cannot have personal phone calls at work (he works off site so they call the office and unless its an emergency he can't even come in to take a call).
Can they continue to do this? I didn't think they could continue to harass us because the debt had been discharged. If they want to foreclose they can, but they cannot continue to call us 3 times a day and call our places of employment.
I know with unsecured debts they have to cease all collection, but what about secured debt?
Thanks
