Archived
I did not reaffirm my mortgage at Chapter 7 Bankruptcy 2 years ago. How do can I leave my old house for a new one?
Derek's answer
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Answered on November 30, 2011
Unless someone reaffirms a debt in a Ch7, their personal liability for that debt is extinguished when they receive their discharge, so you have no...
Archived
Can I reaffirm a first mortgage and not reaffirm a second mortgage?
Derek's answer
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Answered on November 30, 2011
I practice in North Carolina and our judges, for all practical purposes, will not approve reaffirmations of real property. Reaffirmations are only...
Archived
Our Chapter 7 discharge was a year ago and the company that we owed a car note to has never picked the car up. What do we do?
Derek's answer
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Answered on November 30, 2011
If it were me, I'd continue to drive it and wait until they got around to repo'ing it. Keep it insured, liability only, as they cannot come after...
Archived
Student loan co-signer credit can be affected?
Derek's answer
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Answered on November 30, 2011
You are correct that student loans cannot, generally, be discharged in a bankruptcy. If you file either Chapter 7 or Chapter 13, I'd recommend...
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