We cannot get sound legal advice and i need help...we filed a chapter 7 and was discharged in 10/2009..are we liable if we said in open court we would keep the house even though no reaffrimation aggreement was signed?
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No. You are only liable if you actually signed the Affirmation Agreement and it was filed with the Court before discharge. Other than that, you were only stating your intentions.Filed: July 31, 2009
341: September 4, 2009
60 days: November 3, 2009
DISCHARGED!: November 6, 2009 -
I agree. All you said in 'open court' is that you'd like to. For this to be a valid real estate obligation, somebody's gotta sign something.
Frankly, I think the bank doesn't even know what you said or who you are. We're all just stacks of paper in an office.Comment
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