We finally received our Chapter 7 discharge last Tuesday. It took over 8 months after filing. There weren’t any problems which caused the delay but we are in the Virgin Islands and it seems like everything takes a lot longer here. One of the debts that was discharged was for a mortgage for a property in Maryland where we used to live. Then on Friday of last week we received documents in the mail from the attorneys that represent the mortgage lender. Included in the documents is an “auditor’s account or report” that the attorneys filed with the circuit court in Maryland stating that we owe the attorneys $230,000.00 which includes the difference between what they sold the property at auction for and what the mortgage was plus a whole bunch of additional items.
Two things are interesting here. One is the paperwork was filed on the same day our discharge was dated. The second is that the documents only reference the name of the attorney’s firm, not the lender. The lender is mentioned nowhere. I send all of this to our Virgin Islands attorney asking if we should be concerned. He said he did not see any reason for us to be but also advised us to contact a Maryland attorney since he was not familiar with Maryland law.
Our concern here is that when we filed for Chapter 7 we listed the mortgage holder and somehow now the law firm is saying that we owe the law firm this money and they were not listed as part of the bankruptcy. If anyone here has an opinion of this we would appreciate hearing it. We really don’t want to spend any more money on attorneys in Maryland but at the same time don’t want to be on the hook for $230K.
Two things are interesting here. One is the paperwork was filed on the same day our discharge was dated. The second is that the documents only reference the name of the attorney’s firm, not the lender. The lender is mentioned nowhere. I send all of this to our Virgin Islands attorney asking if we should be concerned. He said he did not see any reason for us to be but also advised us to contact a Maryland attorney since he was not familiar with Maryland law.
Our concern here is that when we filed for Chapter 7 we listed the mortgage holder and somehow now the law firm is saying that we owe the law firm this money and they were not listed as part of the bankruptcy. If anyone here has an opinion of this we would appreciate hearing it. We really don’t want to spend any more money on attorneys in Maryland but at the same time don’t want to be on the hook for $230K.
Closed 02/25/1
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