Can I walk away from a mortgage that was not reaffirmed but was modified after chapter 7?

Just to add a point, you might also be eligible to file a Chapter 13 (w/ or w/o discharge) and modify the 2nd, or strip it off.

Counselor Van Dyck has answered this question well, and I could not add anything to it, except be sure in what you are doing as repercussions for...

What is a debt collector required to supply to the debtor prior to filing suit, etc.

What must the debt collector tell you about the debt? Within five days after you are first contacted, the collector must send you a written...

Is my 7yr old autistic son rights being violated if his teacher does not send him to the school nurse.says he is sick &sent home

This raises several issues. Is there anything in the IEP that says the teacher has the discretion? Does the Nurse on staff know how to deal with...

I have a 660-690 FICO but no job. I have considerable assets and collateral to pledge. WHy wont the bank refi me?

It is usually becuase they do not want to do the No Income Loans anymore, even if with collateral. THey do not really want collateral, they want...

Can a bank unilaterally impose a new mortgage escrow arrangement without your permission,

Yes, they can adjust the escrow. It is based upon projected Property Taxes, School Taxes, Property Insurance, and other issues. They review their...

What is considered harrassment by banks collectors?

Here is a clip from my website that may help you. How may a debt collector contact you? A collector may contact you in person, by mail,...

CAn a bank send you threatening collection letters that imply foreclosure without proceeding?

The Banks can send out the materials, but they are not required to offer the loan modification. There are any number of reasons that they can deny...

Can I get into trouble for using my ex husband name and phone number on credit card applications?

What you have done or she has done is fraud. THe reason for the statement is your title says "Can I" and then the body talks about ex wife...So...

It is actually called an Esate Account (it is a checking account), and the name on the account is Estate of ______________.