A few years back I filed Ch 13. I maintained my mortgage and an equity loan I had. Green Tree financial bought up my equity loan about a year into the bankruptcy. I kept current on all payments but never saw my equity loan balance get lower. My payments made equal up to the balance stated in my Ch 13. Green Tree still claims I owe 20K. I have disputed this over the phone and in writing, provided info of it, and been refused any proof from Green Tree. I then sent a check marked "paid in full" with a copy of my dispute. Green Tree cashed the check. Is this a valid form of accord and satisfaction? I live in NY and Green Tree is in MN.
No, you will need a written satisfaction of mortgage to clear title. The problem lies in the chapter 13, and the processing of your payments. If the case is not closed, keep it open and ask for an accounting. If closed send what is called a RESPA letter for an accounting. I would see an attorney.
Contact Richard. He can't tell you that himself but I can. Give him an email and start a conversation.
I disclaim everything and make no represention of the applicability or accuracy of anything I said here. You are not my client; i am not your attorney. I thought about making this disclaimer as a poem and quickly decided not to do so. Robert Frost can sleep easy.
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