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Mortgage after chapter 7

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    #1

    Mortgage after chapter 7

    Hi
    I filed chapter 7 in 2008 and was discharged. Now my home is in foreclosure (I have been battling with the bank for a modification....with no luck) I never reaffirmed the mortgage so my question is ...Does it show up on my credit report as a foreclosure or just that it was discharged in the chapter 7?
    Thanks in advance
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    #2
    discharged in Ch 7. You can have a foreclosure then a bankruptcy. But, you can't have a bankruptcy then a foreclosure (providing the mortgages were discharged in the bk).
    Stopped paying CCs 1/10 | Stopped paying mortgages 2/10 | Interviewed attorneys 3/10-5/10 | Retained attorney 5/14/10 | Delivered paperwork to attorney 6/17/10 | Filed Ch7 7/9/10 | 341 8/16/10 | Objection Deadline 10/15/10 | DISCHARGED 10/20/10

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      #3
      The foreclosure should not report to your credit - but the foreclosure will have an impact on when you can purchase your next home.
      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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        #4
        Thank you. Thats what I figured. I guess I am in a good situation.
        It is still really hard to give up the fight to save our home...but in the long run it is for the best.

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