I received my Ch 7 discharge in Nov. 2009. I did not reaffirm my mortgage on a manufactured home. I tried selling but in this economy it's impossible. I'm currently renting it out but it's so far underwater I'm thinking it would be better just to walk away. I get a monthly statement but it states for "informational purposes" and that it's not an attempt to collect just to make voluntary payments and that if payments are not made I won't be held liable. I got a call from the people who manage the subdivision saying I need to make improvements on the property, which I can't afford. Can I just walk away from this? This property is in Louisiana.
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