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    #1

    Can the lender?

    We were discharged in April 2009, but because we are an asset case we are not closed. Is the fact that we are discharged, but not closed preventing our lender (BofA) from filing a NOD? Or are they just not doing it? They haven't filed a relief from stay or anything . . . .

    We are very far behind in payments, and we did not reaffirm in bk Ch 7.
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    #2
    Hey, you got a bargain. I am an asset and not closed yet for 16 months. Live in the house free as long as possible. They are very busy now and you may be at the end of their long list.

    They will eventually get around to repo. 'Hub
    If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

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      #3
      It's my understanding once you are discharged they can enforce their liens regardless of case closed. However I've seen one bank file for motions after discharge was done just to CYA.
      3/2/09- Filed: chapter 7 / No asset
      4/1/09- 341 Hearing: 1 creditor showed up Got to love family feuds
      4/2/09- Trustee Report of No Distribution Filed
      6/24/09- Discharged and case closed

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        #4
        Okay, nice to know. Angelina, WOW 16 months! I'm sick of wondering how much longer this is going to go on and we are at 10 months . . .

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