Grace period

[laurannm]

We have a mortgage with Citimortgage that we did not reaffirm as part of our Ch 7, but we are continuing to make payments. They continue to send us the informational-only statements, and on their it lists the due date of the 1st, and then a $46 late fee if received after the 15th, which is my grace period.

Since we didn't reaffirm, does anyone know if we can still use our grace period if necessary, in order to get the payment in?

Thanks

[Trixie007]

Yes. The grace period is written in the Note, and the lender will still be following those terms regardless of BK.