I think my situation sounds very similar. Paid & stayed for a year after ch7. Then stopped paying. Tried getting a mod but lots of paperwork "glitches." Finally, in pre foreclosure paperwork, there was an option to ask the court for mediation.
Hired my bk atty back, asking her to pursue that for us. One meeting later between atty & mediator, and we got our mod. But in the meantime, the mortgage co got their foreclosure. Next step= sheriff auction I think. AND they had me added somehow thru the courts to the mortgage, since i was on the deed. ???
Anyway, we did the 3 trial payments the got permanent modification paperwork to sign. I can't get in to my atty to have her lookit over before its due back to the mortgage co, they only gave a few days! The cover letter says if this was discharged in ch7, this will not reaffirm the loan.
However, our ch 7 went through with just my husband listed on the mortgage, I was added afterward. Am I liable now? Also, despite what the letter states, nowhere in the actual modification docs that we actually sign does it state it's not a reaffirmation. Should I worry?
So, there are 2 issues I think. One: am I now on the hook for the mortgage since I didn't have it in my debts on my bk, just dh? And two: does signing the modification put us back on the hook?
I think if we don't send the signed & notarized docs back, the mortgage co will proceed quickly. They already have their judgment or whatever. Scary, when we just want to pay and stay till we find a rental. Hard to find right now, around here.
Hired my bk atty back, asking her to pursue that for us. One meeting later between atty & mediator, and we got our mod. But in the meantime, the mortgage co got their foreclosure. Next step= sheriff auction I think. AND they had me added somehow thru the courts to the mortgage, since i was on the deed. ???
Anyway, we did the 3 trial payments the got permanent modification paperwork to sign. I can't get in to my atty to have her lookit over before its due back to the mortgage co, they only gave a few days! The cover letter says if this was discharged in ch7, this will not reaffirm the loan.
However, our ch 7 went through with just my husband listed on the mortgage, I was added afterward. Am I liable now? Also, despite what the letter states, nowhere in the actual modification docs that we actually sign does it state it's not a reaffirmation. Should I worry?
So, there are 2 issues I think. One: am I now on the hook for the mortgage since I didn't have it in my debts on my bk, just dh? And two: does signing the modification put us back on the hook?
I think if we don't send the signed & notarized docs back, the mortgage co will proceed quickly. They already have their judgment or whatever. Scary, when we just want to pay and stay till we find a rental. Hard to find right now, around here.
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