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I had a bankruptcy in 2001 which discharged my mortgage. I continued to pay the mortgage even though the debt was not reaffirmed. Due to financial difficulty I now have to let the house go and it is being forclosed on. The bank has sent the matter to collections and I am receiving collection letters saying I will be responsible for any amount owed after sale and being told that it is legal because I am not currently in bankruptcy. Can they do this or is this a violation of the bankruptcy law? I thought that because it was included in bankruptcy they could not send me this type of documentation. Also, mortgage company is reporting late pays to credit agencies now even though they told me they could not report on time payments due to bankruptcy-Can they do this?