Did't reaffirm in bankruptcy please help

[smithdawn36]

I filed bankruptcy years ago, I did not reaffirm my house but have been paying it. I can no longer afford the house so I'm going to let it foreclose. I want to stay as long a I can. Is the process any different if I would have reaffirmed. Like can they kick me out now? I'm two months behind

[willsurvive]

The mortgage company will still have to go through the legality of foreclosing at this point. It could take awhile. By the way, it's a good thing you didn't re-affirm, because now you can walk away, and the mortgage company cannot sue you for the difference when it sells.

For now, enjoy your stay rent free.

[smithdawn36]

Thanks. One more question please. I live in Ohio Huron county so we are the worst of the worst with economy. Does foreclosure go in our county court? I that why people here are in their house for years here because our county is flooded with this.