Now I'm a little nervous

[wonkettegirl]

I was successfully discharged in a chapter 7 bk a couple of months ago. One bank holds my first and second mortgages; they applied for, and received, relief from the stay and initiated bankruptcy proceedings.

I filed an answer to the foreclosure in order to buy some time, but did not file a responsive brief after that, and I expect the court to enter a judgment of foreclosure against me.

I understand, I think, that the bk discharge means that the bank will not be able to recover any deficiency for me for the amount of the first and second mortgage, but in their court papers the bank also asked for things like attorneys' fees, court costs, property tax payments, and the like.

These things were NOT specifically mentioned in the bk, because they were not my debts at the time of the bankruptcy. They were incurred by the bank AFTER the discharge occurred, as part of their prosecuting the foreclosure against me.

So: did my bk wipe out these debts, too, because they are "associated with" the mortgage debt that was discharged in the bk? Or could I be liable for them?

[IBroke]

I don't think you are liable. Here's why:

You don't owe anything on the home. Legal fees are a kind of "collection fee" they charge you to collect the money YOU OWE. Those amounts are directly associated with your discharged mortgage.

Now, since you DON'T OWE them anything...I guess you get my point.