My husband and I filed bankruptcy and we were discharged in November 2010. We are 2 months behind on our HELOC payments right now because of having to get our car fixed! We did NOT reaffirm mortgage or HELOC....the HELOC company is driving us crazy!!! They literally call 2x a day and are now sending letters! Is there anything we can do about this? I thought after you filed and were discharged they were not allowed to contact you??
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If you are not planning on trying to work it out with the lender by some sort of catch up, tell the lender to stop sending collection letters and calling you. The debt was dishcarged. The attempt to collect is a violation of the law. Tell them that any further attempt will force you to go back to court to seek sanctions. Document all contact.
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