I filed chapter 7 in 2008, agreed with attorney and did not reaffirm. However, now I am wishing to take advantage of lower rates and I am seeking to refi. We are not in stress with current mortgage and have not tried loan modification. But we h...
If you are trying to do an FHA streamline of the existing loan, that cannot be done without reaffirmation. But if you simply want to refinance the debt (which is technically a new loan), reaffirmation isn't a requirement. Most lenders will not report your payments post-discharge if you don't reaffirm so it is common to have this difficulty however. The only way to reaffirm the debt now, would be to reopen the case, file to vacate the discharge, file a reaffirmation, get re-discharged and close the case. Not a really smart thing to do for a myriad of reasons but possible.See question
please respond with availabilities and fees ASAP... thank you. May also be interested in simply forwarding the matter to local counsel.
I appear as local counsel and replacement counsel in creditor matters in bankruptcy court on many occasions. If this is a bankruptcy matter in the EDNC, I would be happy to help. My fees are very reasonable.See question