I want to reaffirm my home loan with WF. Per WF they don’t have an issue with me reaffirm. I’ve never been late with payments and I wish to keep my property. Per my attorney, he is 90% sure the judge will deny my request because judges in the eastern district of VA do not allow reaffirmations. I wanted to know if I could appeal the judge’s decision with a more qualified attorney? And can WF foreclose on my property if the payments remain current? I have 7K equity in my home and plan on staying there for 10+ years. My reason for filing bankruptcy is due to a bad business venture in which I cosigned for credit cards, etc. Please advise I love my home and want to reaffirm.
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I highly suggest you read this thread: http://www.bkforum.com/showthread.ph...-very-bad-idea.
It sounds like the judge is doing people a favor by not allowing reaffirmations on home mortgages. If you keep paying your mortgage the lender is not going to want your house back. $7000 in equity is not enough for them to take it from you and try to sell it.
You also had some excellent replies in your thread 2 days earlier: http://www.bkforum.com/showthread.ph...eping-My-House!!!
Wells Fargo won't take your house if you keep making your payments. You need to take a deep breath and relax. I know it's stressful, but honestly they will NOT want your house if you are current with your mortgage.Filed Chapter 13 02/2006 - Confirmed 05/2006 - Discharged 09/2011
I'm not an attorney. My replies are merely suggestions or observations, not legal advice. As always, consult with an attorney before making any decisions.
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