Does keeping the payments on time and the insurance and property taxes (complete escrow requirements) keep the ownership of the home in your name and does it get reported to credit bureaus. Also if you decide you want to move a couple years after having stayed in the home and making payments in a chapter 7, what do you have to do other than contact the mortgage company or loan servicer? Can they charge you for anything if you pay and then move later. Can you re-affirm atfer the discharge? How long do you have to move after the discharge? Can they take your home if you stay current after chapter 7 discharge? Will the companies you pay your payments to report good credit to credit bureaus? If you reaffirmed your vehicle does the credit union have to report your good payment history?