I voluntarily gave up a house on 2 acres in my Ch 7. I was discharged in late Nov. Now I have received, twice, a letter from an attorney stating she is representing my mortgage company and that they are going to foreclose if I don't come up with the $3,200 that I am behind on my mortgage. I called them myself because I didn't have the patience to spend all week on the phone trying to locate my lawyer. (He wasn't so good about answering my questions during the BK, so I don't have unrealistic expectations of him now that I'm discharged.) 
So I called this law firm and gave them the news flash that I gave up this house in a CH 7 3 1/2 months ago. The lady just said, "Oh, we're still required by law to notify you anyway when there's a foreclosure." I said "Wouldn't it be standard to notify my lawyer?" And she said no, that they always notify the person who's being foreclosed on, regardless. Yes, I did check my list of creditors, and the mortgage company is listed, so no worries there. But I still thought that no one could contact me, that they had to go through my lawyer. 
Also, I am getting somewhat anxious as the time approaches for them to take possession of the house. I abandoned it about the same time I filed and found a place to rent. Several reasons I did this, mostly emotional reasons, and because the opportunity to rent a place opened up. What worries me now is the shape I left the place in. It's kind-of laughable, really.
Any broken or worn-out piece of furniture, appliance, or old toy that I didn't wish to take with me, I abandoned. There was carpet pulled up in two rooms because I had intended to replace it will press-on tiles at one time. (Didn't get around to it, obviously). My ex had damaged much of the dry wall during some domestic altercations (or tantrums, would be a better word). I never had them repaired. Two windows are broken. Will they try to say I did this damage intentionally? Unfortunately I have no police reports about the damage my ex did because in situations like that, sometimes you call the police and sometimes you don't. And sometimes you call them and it does you absolutely no good. 
They can't try to hold me liable in any way for any the repairs/improvements needed, can they? None of it was done intentionally, except the leaving of things that I no longer wanted. What do you all think? Probably I'm just looking for things to worry about.
So I called this law firm and gave them the news flash that I gave up this house in a CH 7 3 1/2 months ago. The lady just said, "Oh, we're still required by law to notify you anyway when there's a foreclosure." I said "Wouldn't it be standard to notify my lawyer?" And she said no, that they always notify the person who's being foreclosed on, regardless. Yes, I did check my list of creditors, and the mortgage company is listed, so no worries there. But I still thought that no one could contact me, that they had to go through my lawyer. Also, I am getting somewhat anxious as the time approaches for them to take possession of the house. I abandoned it about the same time I filed and found a place to rent. Several reasons I did this, mostly emotional reasons, and because the opportunity to rent a place opened up. What worries me now is the shape I left the place in. It's kind-of laughable, really.
Any broken or worn-out piece of furniture, appliance, or old toy that I didn't wish to take with me, I abandoned. There was carpet pulled up in two rooms because I had intended to replace it will press-on tiles at one time. (Didn't get around to it, obviously). My ex had damaged much of the dry wall during some domestic altercations (or tantrums, would be a better word). I never had them repaired. Two windows are broken. Will they try to say I did this damage intentionally? Unfortunately I have no police reports about the damage my ex did because in situations like that, sometimes you call the police and sometimes you don't. And sometimes you call them and it does you absolutely no good. They can't try to hold me liable in any way for any the repairs/improvements needed, can they? None of it was done intentionally, except the leaving of things that I no longer wanted. What do you all think? Probably I'm just looking for things to worry about.
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