I Reaffirmed My Second Mortgage and Then Got Foreclosed On. – Rosalie

“Dear Steve, I filed Chapter 7 bankruptcy in 2009. At the time I was in a modification plan for my first mortgage. The Bank stopped the modification process due to bankruptcy and said they would only modify after bankruptcy. I sincerely wanted to keep my property, so I signed a reaffirmation agreement for the 2nd … 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