Hello,

I had my discharge in July 2011. The case is still open, and only in February 2013 Bank of America filled a motion to have the house removed from BK estate. The motion was granted and since then I got 4 offers for loan modifications (ignored, because the property is abandoned...

Filed BK Oct '09, discharged Jan '10. Surrendered property in BK to Citi mortg, there was a small 2nd mortgage on the property. Neither of the Lenders filed or attended the 341, but a lien was placed by Citimortgage. Nothing from 2nd mortgage holder.

After discharge I was still getting...

If NOT going BK and doing DIL, are there tax consequences?

I have three questions:
Why is the nod and foreclosure held against you if you filed BK?
Why are they able to leave you on the loan and continue to hurt your credit what is the purpose of BK if not to stop all the non sense?
Are mortgage lenders able to decline your loan based off...

Does the Protecting Tenants at Foreclosure Act apply if I give the bank a deed in lieu of foreclosure?

I know if my rental property is foreclosed upon, the tenants must be given a minimum of 90 days notice to move, but if the new owner will not be moving into the property (such as a bank)...

I surrendered the house in BK, Ch 7, discharged 07/2010.
Stopped paying & house vacant for a year.

Which is better? Do a Deed in Lieu or proceed with the bank's slow foreclosure process?

I called the bank (7 weeks ago) about a Deed in Lieu and they were supposed...

Filed BK Oct '09, discharged Jan '10. Surrendered property in BK to Citi mortg, there was a small 2nd mortgage on the property. Neither of the Lenders filed or attended the 341, but a lien was placed by Citimortgage. Nothing from 2nd mortgage holder. Now 6 months after discharge I am still getting...

EMC was included in my Chapter 7 and my case closed a few weeks ago. The home is not yet scheduled for foreclosure. EMC tells me they will do a deed in lieu and give me "moving money". They are sending the paperwork. Does anybody have experience with EMC? I am wondering how much they...

BK Timeline

Hello,

Thanks HHM for helping in my last thread.

My wife and I are separating and I won't be able to afford our home. It is about $20,000 underwater and neither one of us want the house. Short sales are not an option because I would have to keep the mortgage current which...

I just received my discharge today from my bk 7. I was laid off of work for 5 months and just last week accepted a job out-of-state and will be moving out of my house in two weeks on 2/3/09 to an apartment. I originally signed a reaffirmation agreement with the mortgage lender, but rescinded the...