Hello! I filed chapter 13 about 3 years ago, in Las Vegas, NV, which is where I have been living for past 9 years.
I owned a home in Toledo, OH during that time as well, which never sold when I moved to Vegas, putting me in further debt to try to pay a mortgage, rent, and credit cards, thus filing for bankruptcy.
Now I’ve come to find out that the mortgage co. never foreclosed on the house when I filed, therefore the house is still in my name, and since no one has lived there for several years, it has become a public nuisance and I am now required by the city to report to court because of it.
I thought bankruptcy would take care of every debt including mortgage, so now I have a criminal case against me because of this house being a nuisance, taxes that are past due on this house, and the bank does not want the house, so still no foreclosure which I was hoping for.
I’ve talked to bankruptcy attorneys, foreclosure attorneys, and criminal attorneys and get different answers every time. I can’t afford to fly back to OH much less fix up the problems with the property and/or demolish it. The banks dont want it, yet its still in my name and still a nuisance….any advice would be GREATLY appreciated.