Started paying mortgage AFTER Chapter 7 BK closed. Issue with USBANK

[ryan44]

Ok so I have a rental property that was included in my Chapter 7 BK. My case was closed in AUG of 2010. Shortly after USBANK contacts me and asks me what my intentions are. I told them that I didn't have any intents that I was letting it go as it was included in the BK. They said since the second loan was discharged that I could just pay on the first loan "989.00" per month and keep it out of foreclosure. So they sent me a letter to sign stating they will put the past due payments at the end of the loan...this was NOT a reaffirmation contract.

Now after about 3 months of staying current I decided this is not in my best interest and I 'm letting it again go into foreclosure after my BK. Now USBANK says that I owe on the mortgage regardless of my chapter 7.

As I understand it they are in the wrong and I am having my BK attorney send them a letter. Anyone care to share their experiences with this issue.

[catleg]

I hate US Bank. They had some of the most aggressive, obnoxious collections people working their credit cards. Then right after charge off they sold it to a JDB. So they push hard but give up fast. Just my opinion.

[ryan44]

Yes they are HORRIBLE people to work with. Anyone been or of heard anyone in this situation. I'm assuming since I didn't officially reaffirm the debt It should effect this loans discharge in my chapter 7. I just need to let it go into foreclosure at this point.

[Jacey]

I had to laugh at US Bank...after I filed I kept getting these really in-your-face ads for cram-downs and refinancing to lower my rate if I refinanced with them, blah, blah, blah...the funny thing is that my car note was already with them! They were advertising to take business from themselves...what a joke!