I'm in the process of trying to buy a house and just found out that there's four judgements still out there from our bankruptcy that was discharged in 2014. One is to wrjw, 2 to First Southern Bank and 1 to Southern Bancorp. They were discharged I have paperwork showing they were discharged however they're still showing up not on the land rolls but on the judgement rolls under my name. I took the paperwork and discharge papers to Circuit Court. The bankruptcy attorney has mailed them the paperwork saying that they should be discharged because I'm no longer liable for any of these that's. I had no real property for them to out a lein to. I kept nothing in my bankruotcy. What if they won't remove them because they fall off next year how how does title get done for my new property because they cannot attach to the new property and how they're just like empty shell judgment sitting out there.
You are expecting bankruptcy to do something not provided for in the bankrupt y code. A bankruptcy discharge does not erase the past any more than completing serving time eliminates a criminal conviction. Unless the judgment is on the real estate records, my only advi e is to find another lender for your mortgage loan if judgments are a deal breaker. Local credit unions often have the best programs to get you into a home loan when others turn you down. Hope this perspective helps!
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The fact that you may have received a bankruptcy discharge does not "erase" unpaid debts from your credit report. The effect of a bankruptcy discharge under Section 524(a) is to eliminate your personal liability on each of the debts owed in your bankruptcy case or that could have arisen in your bankruptcy case. The best that you can hope for or expect is that the notation of bankruptcy discharge is reflected on your credit report with respect to those 4 debts.
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Just to add another thought what the prior attorney's answered. If you are buying a house, mortgage companies understand discharged judgments, You may just deal directly with your mortgage broker or mortgage company on this issue.
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