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I had a Chapter 13 Bankruptcy which was discharged. The bank had cancelled the Sheriff's sale, am I responsible for anything?

The house was voluntarily surrendered in the Bankruptcy case as a foreclosure and I received a discharged statement also.

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Attorney answers (1)

Reputation Level 11
Based on what you said in your question, any personal responsibility for the debt on your house was discharged when you got your Chapter 13 discharge. If you voluntarily surrendered the property to the mortgage company, it should be the legal owner and you are not responsible the property. Check your register of deeds to make sure that the new deed has been recorded. The only things related to your house that you might still be responsible for are unpaid property taxes and some unpaid utilities incurred before you surrendered the property, unless you dealt with these in your 13 plan.

If you are concerned about this issue, you should meet with the lawyer who handled your 13 to go over the paperwork and make sure all debts related to the property were properly dealt with.
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