Hi everyone.... Any help would be greatly appreciated. We received our BK discharge in December '09. We did not intend for our home to be included and had no idea that it had been discharged. We continued making payments on the house after the d/c for about 10 months. We received notice in September...

because the deed of trust is defective and invalid, it fails to contain the requisite Affidavit of Consideration. The deed of Trust does not contain an oath or affirmation of the party secured by the deed of trust that the consideration recited in the deed of trust is true and bona fide as set forth....

I am sorry if this has been gone over before, but I cant find it. I am Ch7, no asset, 341 Nov 15th.
Ford filed for a motion for relief from stay, on a car that was repo'd already. One of the things says" Required Statement to Accompany All Motions To Modify Stay".

#1....

Ugh! I cannot believe this.

Here's what happened:

1. Filed Chapter 7 on Oct 4th with only $100 in my account.
2. Liquidated IRAs to pay this month's bills on Oct 6 and 7...so my checking balance was a few grand.
3. I have the same credit union for my checking...