how do i reaffirm my mortgage after bankruptcy

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How Do I Modify My Mortgage After it Has Been in a Chapter 13 Bankruptcy & the Stay Has Been Lifted? A reaffirmation agreement allows you to modify mortgage terms in a Chapter 13 bankruptcy case.

8. Should I Reaffirm my Mortgage After a Chapter 7. – Some mortgage companies have been asking debtors to reaffirm their debt after filing a chapter 7 bankruptcy. What does this mean? Can you do this? Well, a reaffirmation agreement is a contract saying that you promise to repay a debt that would have been released in bankruptcy. So, if you reaffirm your mortgage, it means you are promising to pay.

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How does divorce affect bankruptcy and mortgage? – after the house was in her name. However, the mortgage is still under my name and was in the bankruptcy. What are my options? Is it smart to keep the loan as is, or should I reaffirm the loan? There.

Bankruptcy Information | If I Don’t Reaffirm My Mortgage. – I am in Lisa’s boat in that my mortgage company (WF) told me that the court papers did not show that I reaffirmed my mortgage before discharge in 2003. They said you can only reaffirm during an active bankruptcy. I have been making payments since then and refinanced in 2004.

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My Credit Report Does Not Show Mortgage Payments After Bankruptcy – In most cases it is not advisable that you reaffirm your mortgage. Signing a reaffirmation agreement for your mortgage, makes you personally liable for the debt, after bankruptcy. This is an option you should consider only after consulting with an experienced bankruptcy attorney. If your bakruptcy case was closed and you did not sign a.

Reaffirm a Mortgage to Refinance: Your Mortgage Bank is Lying. – You do not need to reaffirm a mortgage in chapter 7 bankruptcy to refinance that mortgage. I cannot state it any more clearly. A debtor in chapter 7 bankruptcy is not required to reaffirm a mortgage debt to refinance, or purchase another home.

Can You Reaffirm A Mortgage After Bankruptcy? – Rather than voluntarily making payments on the mortgage after you file your Chapter 7 bankruptcy case, you or your lender may look at a process called reaffirmation. Reaffirmation is a legal term, but it loosely means a new promise to repay a debt after bankruptcy that otherwise would be wiped out.

If a Mortgage Is Not Reaffirmed After Bankruptcy and Payments. – In other words, failing to reaffirm your mortgage after bankruptcy will necessarily result in foreclosure. If you choose to remain in your house for too long, it may also result in your eviction. Unless your state’s property exemption law permits you to shield sufficient equity in your home to preclude its seizure, you should begin making.

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