Reaffirming a debt post-discharge in Chapter 7

A reaffirmation agreement has to be filed before discharge, so it's probably too late. Actually, I think everything turned out for the best for...

Bankruptcy discharge in 12/09. Did not reaffirm 1st or 2nd mortgage. Have been making payments faithfully and on time to both.

I assume from your question that the home equity line of credit (HELOC) is secured by your home and that when you filed the chapter 7, the bank...

A bankruptcy was filed in 2010 and a discharge was done in Dec of 2010 In 2011 a suit was filed against a trust for mishandelin

Your question is a little confusing -- was the trust already established when you filed bankruptcy? If so, it's likely that the Chapter 7 trustee...

If it's not the original creditor who's making these calls, then it sounds as if the person is violating the Fair Debt Collection Practices Act. If...

Means test calculation on chapter 7

All the income you made within the last six months is included and divided by six. The means test is looking for the average monthly income over...

Can mortgage company legally force me to disclose and use the money I have in a 401k account?

It is rarely a good idea to use retirement funds to try to save a house -- especially a house that is underwater and no longer your primary...

When married, We entered into a loan agreement which was assigned to my husband as part of the divorce.

Generally, if your divorce decree requires your husband to pay the mortgage, that creates an obligation between you and him -- it does not get rid...

Will my home lost in foreclosure be discharged in bankruptcy?

Unless you reaffirmed the contract, which it sounds as if you wouldn't have, the debt was discharged. It sounds like the seller is being skeezy....

If I pay off a few credit cards before I file for bankruptcy, can I keep them or will all my credit cards be closed?

If you file bankruptcy it is almost a certainty that your credit card companies will find out and close your accounts. Even if you have a zero...

My husband and I took out a mortgage loan for our son, he lives and makes the monthly payments. How do we remove our names?

As Mr. Schwindt pointed out, it is unlikely that the mortgage company would be willing to let your son assume the loan and, since the house is...