Hello,
I have been having a difficult time with my first mortgage. My bankruptcy was discharged on 9/3/05. Done, closed, right?? Well not according to my first mortgage. Here's the scenario. I have had my house for about five years now. Never been late or missed a payment. I decided to keep the house and continued to pay on it faithfully and informed them that I was in the process of bankrupcty but I intended to continue with the mortgage. The bankrupcty process went along very peacefully and was discharged with no problems. A week after the discharge the bank sent me a reaffirmation agreement. I called an informed them that the bankrupcty has already been discharged and it is a little too late for a reaffirmation agreement. The bankruptcy specialist then informed me that the no asset report has not yet been filed by the trustee so technically the case is still open. I then checked with my attorney and he said that it was true that a no asset report has not been filed but I done all that I needed to on my end and not to worry about it. It was up to the trustee to file this report. The attorney also mentioned that it was a little bit odd for a mortgage company to be interested in a no asset report. Shortly thereafter a negative hit from my first mortgage showed up on my credit report. After I got that cleared up I started looking for a new bank to refinance and get away from my first mortgage bank. I finally found one institution that I was hoping to work with. They were unable to pull my pay history of my current mortgage so I contacted my current lender. At first they refused to release the information and then after a very lengthy discussion with the bank bankruptcy specialist they mailed me a detailed payment history. As of right now I have little information to my first mortgage and have to talk to the bankruptcy specialist everytime I call in regards to anything on my mortgage even if it is just to find out the balance. As of today 12/30/05 a no asset report still has not been filed.
I have been having a difficult time with my first mortgage. My bankruptcy was discharged on 9/3/05. Done, closed, right?? Well not according to my first mortgage. Here's the scenario. I have had my house for about five years now. Never been late or missed a payment. I decided to keep the house and continued to pay on it faithfully and informed them that I was in the process of bankrupcty but I intended to continue with the mortgage. The bankrupcty process went along very peacefully and was discharged with no problems. A week after the discharge the bank sent me a reaffirmation agreement. I called an informed them that the bankrupcty has already been discharged and it is a little too late for a reaffirmation agreement. The bankruptcy specialist then informed me that the no asset report has not yet been filed by the trustee so technically the case is still open. I then checked with my attorney and he said that it was true that a no asset report has not been filed but I done all that I needed to on my end and not to worry about it. It was up to the trustee to file this report. The attorney also mentioned that it was a little bit odd for a mortgage company to be interested in a no asset report. Shortly thereafter a negative hit from my first mortgage showed up on my credit report. After I got that cleared up I started looking for a new bank to refinance and get away from my first mortgage bank. I finally found one institution that I was hoping to work with. They were unable to pull my pay history of my current mortgage so I contacted my current lender. At first they refused to release the information and then after a very lengthy discussion with the bank bankruptcy specialist they mailed me a detailed payment history. As of right now I have little information to my first mortgage and have to talk to the bankruptcy specialist everytime I call in regards to anything on my mortgage even if it is just to find out the balance. As of today 12/30/05 a no asset report still has not been filed.
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