Latest Posts
Home > Ask The Get Out of Debt Experts > My Mortgage Was Discharged in My Bankruptcy But I Still Pay It. – Rae

My Mortgage Was Discharged in My Bankruptcy But I Still Pay It. – Rae


“Dear Steve,

My mortgage was discharged in my bankruptcy proceedings in December, 2005. I have continued to pay on my mortgage per the credit agreement. I have two questions: Is there a way I can get my mortgage to start reporting to the credit agencies because I am paying on it even though it was discharged?

My budget is tight, I am presuming if I stop paying the mortgage, foreclosure proceedings will begin. If I do this, will the foreclosure adversely affect me in any way since the mortgage was discharged in the bankruptcy?



Dear Rae,

I need more information to answer your question. When a debt is discharged in bankruptcy it means that it is wiped out and you no longer have an obligation to repay this.

It sounds a bit like you might have been in a Chapter 13 bankruptcy and the payment plan ended and you took over making your payments again.

Bottom line, the rule of mortgages is that you have to pay to stay. If you fail to make the agreed upon mortgage payment, you can be foreclosed on and evicted.

Please provide me with some additional information about this situation in the comments section at the end of this Q&A and I’ll see if I can figure out exactly what is going on here.

Get Out of Debt Free Hotline
debt settlement helpstudent loan help

About Steve Rhode

Steve Rhode
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.
  • Steve White

    Firstly I’d ask , do you still live in the house? 

  • Aimeenein

    Hi my question is if I filed Bankruptcy and had it discharged September of 2009, I did not reaffirm my mortgage but continued to make payments, it is under a VA loan, can I consider just up and walking away.. but I want to buy a new home before walking away.. how will that affect me?

    • just wondering

      I forgot to say I live in Oklahoma..

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.


I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.