My Reaffirmed Mortgage Shows on My Credit Report as in Bankruptcy

“Dear Steve, My house was not included in my bankruptcy, but my mortgage lender is reporting it as “included in bankruptcy”. I filed bankruptcy (ch 7) in 2008. I signed a reaffirmation with my mortgage lender, but my credit reports remain messed up. 1 agency has no info of a mortgage, 1 shows my balance … Read more

I Signed a Reaffirmation Agreement for My Second Mortgage But Not My First. Do I Owe It? – Annabelle

“Dear Lewis, Filed Bankruptcy in 2009. First mortgage was discharged, the second got reaffirmed. My question is: Do I have to pay on the second mortgage? The first was discharged, but the second somehow got reaffirmed. Since the equity in the home was the collateral for the second loan, and I do not “technically” own … Read more

Tell Ashley Furniture to Stick It if They Try to Take Back Your Furniture

“Dear Lewis, Filed Bk and discharged in 6/2011. I received a call from Global Collection agency today wanting $900 to keep the furniture we bought from Ashley Furniture. The loan originally was for $5000 but we paid $2500 before we claimed bankruptcy but Bonnie at Global stated they can and will pick up all the … Read more

Received Proposed Reaffirmation of Debt Agreement. – Randall

“Dear Lewis, Between wife and I we were 100,000.00 in credit card debt. First called a debt settlement company and thought I would try that. A good friend of mine talked me into seeing a bankrupt attorney which I did. Our case was discharged in 06/2011 (chapter 7). During the filing process we received a … Read more