I Filed Chapter 7 Bankruptcy. Can They Collect on My Second Mortgage? – Kelly

“Dear Steve,

I filed chapter 7 in 2009 and it was all dismissed. I had a home mortgage and a 2nd mortgage along with other things. This is in Georgia

why is my 2nd mortgage company calling me now. is there somehow they can make me pay the $30k?


Dear Kelly,

If your second mortgage was included in your chapter 7 bankruptcy then your responsibility for repaying the debt would have been extinguished.

What I would suggest doing is to take a look at your bankruptcy filing and make sure that loan was included. If it was, send the creditor a copy of your bankruptcy petition and your discharge letter to show them it was included.

If you have any more questions on your specific issue, please contact your local bankruptcy attorney that filed the bankruptcy for you. They might be able to help clarify the issue for the lender.

Overall if you follow the advice above you should have nothing to worry about.

Please post your responses and follow-up messages to me on this in the comments section below.


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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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