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went bankrupt 7 yrs ago, been paying on modular and land ever since to keep the property. Husband s work closed a month ago. Were 2 mths behind, but with the interest and lates charges they are charging us its up to 4575.00 now. There following the contract that was in force before the banruptcy. We found out that we have the title to the modular free and clear. Finance co. never combined home with land like michigan law requires. So the deed just shows the land only. Do I have some kind of leg to stand on.